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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 | $13,145 | $71,878-81.7% | $86,698-84.8% | $68,486-80.8% |
| Participation rate | 98.2% | 72.2%+26.0pp | 76.6%+21.6pp | 67.9%+30.3pp |
| Annual return | -10.90% | 3.53%-14.4pp | 35.95%-46.9pp | -7.85%-3.0pp |
| Employer contribution / active EE | $1,769 | $2,173-18.6% | $2,837-37.6% | $2,597-31.9% |
| Participant deferral / active EE | $4,302 | $3,779+13.8% | $4,656-7.6% | $4,028+6.8% |
| Admin fee / account holder | $1,808 | $6,113-70.4% | $7,493-75.9% | $5,404-66.5% |