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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $22,439 | $91,536-75.5% | $130,062-82.7% | $75,177-70.2% |
| Participation rate | 91.4% | 71.5%+20.0pp | 78.5%+12.9pp | 67.2%+24.2pp |
| Annual return | 15.56% | -631.62%+647.2pp | -137.37%+152.9pp | 160.75%-145.2pp |
| Employer contribution / active EE | $2,378 | $2,845-16.4% | $4,322-45.0% | $2,671-11.0% |
| Participant deferral / active EE | $5,221 | $4,343+20.2% | $5,821-10.3% | $4,126+26.5% |
| Admin fee / account holder | $1,168 | $6,780-82.8% | $10,601-89.0% | $5,651-79.3% |