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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 | $23,145 | $81,870-71.7% | $119,634-80.7% | $68,490-66.2% |
| Participation rate | 100.0% | 71.9%+28.1pp | 79.3%+20.7pp | 67.9%+32.1pp |
| Annual return | -18.63% | -23.82%+5.2pp | -14.98%-3.6pp | -7.85%-10.8pp |
| Employer contribution / active EE | $2,433 | $2,692-9.6% | $4,232-42.5% | $2,597-6.3% |
| Participant deferral / active EE | $4,165 | $4,148+0.4% | $5,601-25.6% | $4,028+3.4% |
| Admin fee / account holder | $3,916 | $6,583-40.5% | $10,329-62.1% | $5,403-27.5% |