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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 | $39,504 | $39,036+1.2% | $80,784-51.1% | $85,851-54.0% |
| Participation rate | 100.0% | 41.6%+58.4pp | 54.2%+45.8pp | 69.3%+30.7pp |
| Annual return | 10.69% | 26.31%-15.6pp | 87.31%-76.6pp | 318.63%-307.9pp |
| Employer contribution / active EE | $7,168 | $722+892.3% | $1,160+517.8% | $2,565+179.4% |
| Participant deferral / active EE | $1,842 | $1,326+38.9% | $2,145-14.1% | $3,952-53.4% |
| Admin fee / account holder | $639 | $2,429-73.7% | $3,380-81.1% | $6,261-89.8% |