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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 | $29,426 | $49,897-41.0% | $80,648-63.5% | $75,177-60.9% |
| Participation rate | 100.0% | 55.3%+44.7pp | 67.0%+33.0pp | 67.2%+32.8pp |
| Annual return | 6.77% | 34.68%-27.9pp | 937.21%-930.4pp | 160.75%-154.0pp |
| Employer contribution / active EE | $6,927 | $1,699+307.7% | $2,724+154.3% | $2,671+159.3% |
| Participant deferral / active EE | $1,485 | $2,992-50.4% | $4,443-66.6% | $4,126-64.0% |
| Admin fee / account holder | $872 | $3,579-75.6% | $5,382-83.8% | $5,651-84.6% |