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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 | $16,838 | $82,674-79.6% | $125,381-86.6% | $68,486-75.4% |
| Participation rate | 98.1% | 75.1%+23.0pp | 82.4%+15.7pp | 67.9%+30.2pp |
| Annual return | -17.37% | -5.97%-11.4pp | 572.31%-589.7pp | -7.85%-9.5pp |
| Employer contribution / active EE | $2,560 | $3,382-24.3% | $4,815-46.8% | $2,597-1.4% |
| Participant deferral / active EE | $4,371 | $6,111-28.5% | $7,448-41.3% | $4,028+8.5% |
| Admin fee / account holder | $779 | $6,277-87.6% | $10,007-92.2% | $5,404-85.6% |