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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 | $9,945 | $59,813-83.4% | $79,580-87.5% | $68,486-85.5% |
| Participation rate | 90.6% | 61.1%+29.6pp | 69.5%+21.1pp | 67.9%+22.7pp |
| Annual return | -13.61% | -12.30%-1.3pp | 0.15%-13.8pp | -7.85%-5.8pp |
| Employer contribution / active EE | $2,367 | $1,505+57.2% | $2,413-1.9% | $2,597-8.9% |
| Participant deferral / active EE | $3,463 | $3,024+14.5% | $3,985-13.1% | $4,028-14.0% |
| Admin fee / account holder | $1,402 | $4,835-71.0% | $6,835-79.5% | $5,404-74.1% |