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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 | $26,103 | $102,422-74.5% | $147,117-82.3% | $80,959-67.8% |
| Participation rate | 93.8% | 75.9%+18.0pp | 82.2%+11.7pp | 67.7%+26.2pp |
| Annual return | 8.91% | 135.16%-126.2pp | 420.54%-411.6pp | 35.67%-26.8pp |
| Employer contribution / active EE | $15,915 | $3,717+328.1% | $4,932+222.7% | $2,757+477.2% |
| Participant deferral / active EE | $5,322 | $6,652-20.0% | $8,065-34.0% | $4,300+23.8% |
| Admin fee / account holder | $2,396 | $7,953-69.9% | $12,993-81.6% | $6,925-65.4% |