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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 | $30,024 | $34,316-12.5% | $74,723-59.8% | $72,976-58.9% |
| Participation rate | 100.0% | 42.4%+57.6pp | 54.5%+45.5pp | 69.5%+30.5pp |
| Annual return | 16.11% | 26.58%-10.5pp | 753.18%-737.1pp | 81.02%-64.9pp |
| Employer contribution / active EE | $5,710 | $692+725.4% | $1,084+426.7% | $2,440+134.0% |
| Participant deferral / active EE | $1,670 | $1,272+31.3% | $1,962-14.9% | $3,608-53.7% |
| Admin fee / account holder | $1,487 | $2,125-30.0% | $3,335-55.4% | $5,124-71.0% |