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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 | $6,266 | $39,028-83.9% | $80,741-92.2% | $85,847-92.7% |
| Participation rate | 96.6% | 41.6%+55.0pp | 54.2%+42.4pp | 69.3%+27.2pp |
| Annual return | 9.89% | 26.31%-16.4pp | 87.30%-77.4pp | 318.61%-308.7pp |
| Employer contribution / active EE | $3,594 | $722+397.6% | $1,160+209.8% | $2,565+40.1% |
| Participant deferral / active EE | $1,524 | $1,326+14.9% | $2,145-29.0% | $3,952-61.5% |
| Admin fee / account holder | $1,214 | $2,429-50.0% | $3,380-64.1% | $6,261-80.6% |