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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 | $75,535 | $96,691-21.9% | $86,656-12.8% | $139,487-45.8% |
| Participation rate | 77.8% | 74.4%+3.4pp | 71.7%+6.1pp | 80.3%-2.6pp |
| Annual return | 9.53% | 106.87%-97.3pp | 593.09%-583.6pp | 373.84%-364.3pp |
| Employer contribution / active EE | $2,250 | $3,267-31.1% | $3,025-25.6% | $4,755-52.7% |
| Participant deferral / active EE | $6,603 | $4,838+36.5% | $4,439+48.7% | $6,713-1.6% |
| Admin fee / account holder | $7,803 | $6,414+21.7% | $5,619+38.9% | $11,407-31.6% |