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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 | $9,816 | $28,624-65.7% | $53,647-81.7% | $82,637-88.1% |
| Participation rate | 98.7% | 47.3%+51.4pp | 56.3%+42.4pp | 68.1%+30.6pp |
| Annual return | 14.20% | 664.98%-650.8pp | 358.33%-344.1pp | 53.51%-39.3pp |
| Employer contribution / active EE | $829 | $637+30.3% | $962-13.8% | $2,552-67.5% |
| Participant deferral / active EE | $1,523 | $1,196+27.3% | $1,813-16.0% | $4,126-63.1% |
| Admin fee / account holder | $1,787 | $2,022-11.6% | $2,460-27.4% | $7,339-75.7% |