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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 | $53,306 | $59,006-9.7% | $97,197-45.2% | $74,429-28.4% |
| Participation rate | 74.8% | 63.7%+11.1pp | 72.7%+2.1pp | 67.2%+7.6pp |
| Annual return | 9.21% | 16.04%-6.8pp | 75.47%-66.3pp | 1368.38%-1359.2pp |
| Employer contribution / active EE | $5,146 | $1,894+171.7% | $2,723+89.0% | $2,625+96.0% |
| Participant deferral / active EE | $7,378 | $3,671+101.0% | $4,263+73.1% | $4,348+69.7% |
| Admin fee / account holder | $7,623 | $1,974+286.2% | $5,637+35.2% | $1,944+292.1% |