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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 | $58,258-85.2% | $81,820-89.5% | $80,925-89.4% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.4%+27.6pp | 67.7%+32.3pp |
| Annual return | 9.67% | 41.76%-32.1pp | 777.93%-768.3pp | 35.65%-26.0pp |
| Employer contribution / active EE | $690 | $2,345-70.6% | $2,915-76.3% | $2,756-75.0% |
| Participant deferral / active EE | $1,396 | $3,284-57.5% | $4,323-67.7% | $4,299-67.5% |
| Admin fee / account holder | $415 | $4,976-91.7% | $7,391-94.4% | $6,940-94.0% |