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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 | $18,091 | $211,946-91.5% | $169,452-89.3% | $135,380-86.6% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -7.81% | 3.26%-11.1pp | 1.83%-9.6pp | 519.81%-527.6pp |
| Employer contribution / active EE | $912 | $5,117-82.2% | $4,157-78.1% | $4,779-80.9% |
| Participant deferral / active EE | $4,111 | $6,075-32.3% | $5,277-22.1% | $5,609-26.7% |
| Admin fee / account holder | $1,248 | $11,472-89.1% | $9,110-86.3% | $10,828-88.5% |