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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 | $15,756 | $64,716-75.7% | $112,258-86.0% | $68,495-77.0% |
| Participation rate | 80.0% | 67.2%+12.8pp | 75.1%+4.9pp | 67.9%+12.1pp |
| Annual return | 0.00% | -11.40%+11.4pp | 27.47%-27.5pp | -7.84%+7.8pp |
| Employer contribution / active EE | $6,167 | $2,746+124.6% | $3,636+69.6% | $2,596+137.5% |
| Participant deferral / active EE | $8,572 | $3,565+140.5% | $4,728+81.3% | $4,028+112.8% |
| Admin fee / account holder | $628 | $5,232-88.0% | $6,411-90.2% | $5,403-88.4% |