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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 | $177,159 | $215,361-17.7% | $171,082+3.6% | $273,972-35.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | -3.40% | 25.14%-28.5pp | 32.56%-36.0pp | 41.46%-44.9pp |
| Employer contribution / active EE | $2,993 | $4,967-39.7% | $4,002-25.2% | $4,869-38.5% |
| Participant deferral / active EE | $889 | $5,543-84.0% | $4,797-81.5% | $5,287-83.2% |
| Admin fee / account holder | $9,151 | $10,846-15.6% | $8,520+7.4% | $10,133-9.7% |