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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,678 | $56,134-66.7% | $96,171-80.6% | $85,847-78.2% |
| Participation rate | 86.0% | 56.7%+29.3pp | 68.4%+17.6pp | 69.3%+16.7pp |
| Annual return | 9.85% | 42.30%-32.5pp | 192.04%-182.2pp | 318.61%-308.8pp |
| Employer contribution / active EE | $473 | $1,620-70.8% | $2,799-83.1% | $2,565-81.6% |
| Participant deferral / active EE | $1,671 | $2,858-41.5% | $4,350-61.6% | $3,952-57.7% |
| Admin fee / account holder | $305 | $3,769-91.9% | $5,538-94.5% | $6,261-95.1% |