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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 | $19,860 | $114,130-82.6% | $96,192-79.4% | $167,553-88.1% |
| Participation rate | 71.4% | 75.1%-3.6pp | 68.4%+3.0pp | 82.1%-10.7pp |
| Annual return | 7.81% | 190.07%-182.3pp | 192.09%-184.3pp | 478.89%-471.1pp |
| Employer contribution / active EE | $0 | $3,431-100.0% | $2,799-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $3,539 | $5,198-31.9% | $4,351-18.7% | $6,343-44.2% |
| Admin fee / account holder | $3,468 | $6,901-49.7% | $5,539-37.4% | $12,316-71.8% |