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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 | $22,121 | $29,716-25.6% | $56,077-60.6% | $80,925-72.7% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.7%+32.3pp |
| Annual return | 9.57% | 35.30%-25.7pp | 1709.28%-1699.7pp | 35.65%-26.1pp |
| Employer contribution / active EE | $2,411 | $671+259.3% | $1,040+131.7% | $2,756-12.5% |
| Participant deferral / active EE | $3,183 | $1,228+159.1% | $1,954+62.9% | $4,299-25.9% |
| Admin fee / account holder | $18,890 | $2,432+676.7% | $2,825+568.7% | $6,940+172.2% |