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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 | $109,247 | $80,812+35.2% | $160,784-32.1% | $82,448+32.5% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.0%+23.0pp | 68.1%+31.9pp |
| Annual return | 10.69% | 100.59%-89.9pp | 1803.92%-1793.2pp | 41.64%-30.9pp |
| Employer contribution / active EE | $6,072 | $2,174+179.3% | $3,733+62.7% | $2,551+138.0% |
| Participant deferral / active EE | $7,160 | $4,335+65.2% | $6,293+13.8% | $4,139+73.0% |
| Admin fee / account holder | $2,406 | $7,695-68.7% | $9,717-75.2% | $7,234-66.7% |