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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 | $23,537 | $96,691-75.7% | $86,656-72.8% | $139,487-83.1% |
| Participation rate | 85.7% | 74.4%+11.3pp | 71.7%+14.0pp | 80.3%+5.4pp |
| Annual return | 8.19% | 106.87%-98.7pp | 593.09%-584.9pp | 373.84%-365.7pp |
| Employer contribution / active EE | $714 | $3,267-78.1% | $3,025-76.4% | $4,755-85.0% |
| Participant deferral / active EE | $1,476 | $4,838-69.5% | $4,439-66.7% | $6,713-78.0% |
| Admin fee / account holder | $869 | $6,414-86.5% | $5,619-84.5% | $11,407-92.4% |