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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 | $23,172 | $56,134-58.7% | $96,171-75.9% | $85,847-73.0% |
| Participation rate | 100.0% | 56.7%+43.3pp | 68.4%+31.6pp | 69.3%+30.7pp |
| Annual return | 9.81% | 42.30%-32.5pp | 192.04%-182.2pp | 318.61%-308.8pp |
| Employer contribution / active EE | $6,754 | $1,620+316.9% | $2,799+141.3% | $2,565+163.3% |
| Participant deferral / active EE | $1,073 | $2,858-62.5% | $4,350-75.3% | $3,952-72.9% |
| Admin fee / account holder | $1,502 | $3,769-60.2% | $5,538-72.9% | $6,261-76.0% |