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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 | $62,997 | $56,134+12.2% | $96,171-34.5% | $85,847-26.6% |
| Participation rate | 100.0% | 56.7%+43.3pp | 68.4%+31.6pp | 69.3%+30.7pp |
| Annual return | 9.40% | 42.30%-32.9pp | 192.04%-182.6pp | 318.61%-309.2pp |
| Employer contribution / active EE | $7,308 | $1,620+351.1% | $2,799+161.1% | $2,565+184.9% |
| Participant deferral / active EE | $3,947 | $2,858+38.1% | $4,350-9.3% | $3,952-0.1% |
| Admin fee / account holder | $5,996 | $3,769+59.1% | $5,538+8.3% | $6,261-4.2% |