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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 | $32,357 | $96,678-66.5% | $86,640-62.7% | $139,466-76.8% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 8.93% | 106.69%-97.8pp | 592.52%-583.6pp | 373.66%-364.7pp |
| Employer contribution / active EE | $2,574 | $3,265-21.2% | $3,024-14.9% | $4,754-45.9% |
| Participant deferral / active EE | $5,788 | $4,837+19.7% | $4,438+30.4% | $6,712-13.8% |
| Admin fee / account holder | $2,983 | $6,410-53.5% | $5,616-46.9% | $11,409-73.9% |