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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 | $8,618 | $58,234-85.2% | $81,783-89.5% | $80,874-89.3% |
| Participation rate | 100.0% | 63.4%+36.6pp | 72.4%+27.6pp | 67.6%+32.4pp |
| Annual return | 9.67% | 41.70%-32.0pp | 775.05%-765.4pp | 35.62%-25.9pp |
| Employer contribution / active EE | $690 | $2,341-70.5% | $2,913-76.3% | $2,756-75.0% |
| Participant deferral / active EE | $1,396 | $3,283-57.5% | $4,320-67.7% | $4,297-67.5% |
| Admin fee / account holder | $415 | $4,982-91.7% | $7,380-94.4% | $6,935-94.0% |