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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 | $85,979 | $96,678-11.1% | $86,640-0.8% | $139,466-38.4% |
| Participation rate | 75.0% | 74.4%+0.6pp | 71.7%+3.3pp | 80.3%-5.3pp |
| Annual return | 9.66% | 106.69%-97.0pp | 592.52%-582.9pp | 373.66%-364.0pp |
| Employer contribution / active EE | $2,165 | $3,265-33.7% | $3,024-28.4% | $4,754-54.5% |
| Participant deferral / active EE | $8,200 | $4,837+69.5% | $4,438+84.8% | $6,712+22.2% |
| Admin fee / account holder | $2,072 | $6,410-67.7% | $5,616-63.1% | $11,409-81.8% |