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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 | $26,549 | $131,835-79.9% | $108,582-75.5% | $273,972-90.3% |
| Participation rate | 75.0% | 83.5%-8.5pp | 79.6%-4.6pp | 83.0%-8.0pp |
| Annual return | 6.46% | -91.57%+98.0pp | -51.70%+58.2pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,581 | $4,913-67.8% | $3,758-57.9% | $4,869-67.5% |
| Participant deferral / active EE | $2,694 | $5,127-47.5% | $4,311-37.5% | $5,287-49.0% |
| Admin fee / account holder | $2,139 | $10,253-79.1% | $7,645-72.0% | $10,133-78.9% |