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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 | $13,026 | $87,546-85.1% | $75,784-82.8% | $125,389-89.6% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -1.98% | 13.49%-15.5pp | 9.68%-11.7pp | 282.24%-284.2pp |
| Employer contribution / active EE | $1,510 | $3,930-61.6% | $3,323-54.6% | $4,866-69.0% |
| Participant deferral / active EE | $5,401 | $4,230+27.7% | $3,652+47.9% | $5,352+0.9% |
| Admin fee / account holder | $345 | $6,503-94.7% | $5,300-93.5% | $9,541-96.4% |