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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 | $15,368 | $91,198-83.1% | $178,503-91.4% | $79,856-80.8% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 2.97% | 24.20%-21.2pp | 151.12%-148.2pp | 31.71%-28.7pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,799 | $3,237-13.5% | $5,202-46.2% | $3,741-25.2% |
| Admin fee / account holder | $12,068 | $6,748+78.8% | $13,987-13.7% | $5,306+127.4% |