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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 | $37,081 | $56,134-33.9% | $96,192-61.5% | $85,851-56.8% |
| Participation rate | 100.0% | 56.7%+43.3pp | 68.4%+31.6pp | 69.3%+30.7pp |
| Annual return | 10.89% | 42.30%-31.4pp | 192.09%-181.2pp | 318.63%-307.7pp |
| Employer contribution / active EE | $9,870 | $1,620+509.2% | $2,799+252.6% | $2,565+284.7% |
| Participant deferral / active EE | $903 | $2,858-68.4% | $4,351-79.2% | $3,952-77.1% |
| Admin fee / account holder | $11,634 | $3,769+208.7% | $5,539+110.0% | $6,261+85.8% |