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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 | $23,748 | $91,537-74.1% | $130,045-81.7% | $75,173-68.4% |
| Participation rate | 100.0% | 71.5%+28.5pp | 78.5%+21.5pp | 67.2%+32.8pp |
| Annual return | 16.48% | -631.55%+648.0pp | -137.30%+153.8pp | 160.72%-144.2pp |
| Employer contribution / active EE | $2,708 | $2,845-4.8% | $4,321-37.3% | $2,671+1.4% |
| Participant deferral / active EE | $3,840 | $4,343-11.6% | $5,820-34.0% | $4,126-6.9% |
| Admin fee / account holder | $2,721 | $6,780-59.9% | $10,600-74.3% | $5,651-51.8% |