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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 | $15,154 | $84,499-82.1% | $125,391-87.9% | $66,949-77.4% |
| Participation rate | 100.0% | 76.4%+23.6pp | 82.4%+17.6pp | 69.8%+30.2pp |
| Annual return | -16.91% | -8.49%-8.4pp | 572.41%-589.3pp | 1.57%-18.5pp |
| Employer contribution / active EE | $1,385 | $3,554-61.0% | $4,816-71.2% | $2,545-45.6% |
| Participant deferral / active EE | $3,427 | $6,785-49.5% | $7,448-54.0% | $4,239-19.2% |
| Admin fee / account holder | $2,603 | $685+279.9% | $10,009-74.0% | $594+338.5% |