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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 | $18,491 | $29,319-36.9% | $52,425-64.7% | $82,448-77.6% |
| Participation rate | 81.0% | 46.9%+34.2pp | 55.6%+25.4pp | 68.1%+13.0pp |
| Annual return | 13.30% | 535.20%-521.9pp | 302.12%-288.8pp | 41.64%-28.3pp |
| Employer contribution / active EE | $2,825 | $586+381.7% | $914+209.0% | $2,551+10.7% |
| Participant deferral / active EE | $2,407 | $1,171+105.5% | $1,790+34.5% | $4,139-41.8% |
| Admin fee / account holder | $462 | $1,962-76.4% | $2,495-81.5% | $7,234-93.6% |