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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 | $62,559 | $56,134+11.4% | $96,171-34.9% | $85,847-27.1% |
| Participation rate | 100.0% | 56.7%+43.3pp | 68.4%+31.6pp | 69.3%+30.7pp |
| Annual return | 8.54% | 42.30%-33.8pp | 192.04%-183.5pp | 318.61%-310.1pp |
| Employer contribution / active EE | $7,018 | $1,620+333.2% | $2,799+150.8% | $2,565+173.6% |
| Participant deferral / active EE | $4,531 | $2,858+58.6% | $4,350+4.2% | $3,952+14.6% |
| Admin fee / account holder | $600 | $3,769-84.1% | $5,538-89.2% | $6,261-90.4% |