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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 | $68,278 | $59,448+14.9% | $93,696-27.1% | $74,459-8.3% |
| Participation rate | 99.0% | 59.6%+39.4pp | 68.7%+30.3pp | 67.2%+31.8pp |
| Annual return | 9.64% | 82.11%-72.5pp | 133.74%-124.1pp | 1369.70%-1360.1pp |
| Employer contribution / active EE | $2,065 | $1,266+63.1% | $2,422-14.7% | $2,626-21.4% |
| Participant deferral / active EE | $8,237 | $3,052+169.9% | $4,417+86.5% | $4,350+89.4% |
| Admin fee / account holder | $19,004 | $3,027+527.8% | $8,287+129.3% | $1,945+877.2% |