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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 | $16,133 | $71,480-77.4% | $90,782-82.2% | $64,173-74.9% |
| Participation rate | 100.0% | 77.6%+22.4pp | 82.7%+17.3pp | 69.6%+30.4pp |
| Annual return | -6.31% | -4.25%-2.1pp | -3.42%-2.9pp | 7.63%-13.9pp |
| Employer contribution / active EE | $2,114 | $3,415-38.1% | $4,105-48.5% | $2,381-11.2% |
| Participant deferral / active EE | $4,567 | $4,302+6.2% | $5,366-14.9% | $3,470+31.6% |
| Admin fee / account holder | $661 | $6,309-89.5% | $5,908-88.8% | $4,887-86.5% |