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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 | $21,790 | $131,835-83.5% | $108,582-79.9% | $273,972-92.0% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 12.39% | -91.57%+104.0pp | -51.70%+64.1pp | 41.46%-29.1pp |
| Employer contribution / active EE | $2,674 | $4,913-45.6% | $3,758-28.8% | $4,869-45.1% |
| Participant deferral / active EE | $4,699 | $5,127-8.4% | $4,311+9.0% | $5,287-11.1% |
| Admin fee / account holder | $7,683 | $10,253-25.1% | $7,645+0.5% | $10,133-24.2% |