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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 | $27,649 | $90,691-69.5% | $76,119-63.7% | $145,884-81.0% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 7.86% | 624.52%-616.7pp | 361.25%-353.4pp | 551.85%-544.0pp |
| Employer contribution / active EE | $11,552 | $3,329+247.0% | $2,693+329.0% | $4,662+147.8% |
| Participant deferral / active EE | $9,057 | $5,167+75.3% | $4,259+112.6% | $6,690+35.4% |
| Admin fee / account holder | $3,395 | $8,383-59.5% | $6,421-47.1% | $13,392-74.6% |