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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 | $15,523 | $59,111-73.7% | $86,451-82.0% | $68,490-77.3% |
| Participation rate | 96.6% | 75.2%+21.3pp | 80.3%+16.2pp | 67.9%+28.7pp |
| Annual return | -11.47% | -0.22%-11.2pp | 4398.51%-4410.0pp | -7.85%-3.6pp |
| Employer contribution / active EE | $1,368 | $2,519-45.7% | $3,770-63.7% | $2,597-47.3% |
| Participant deferral / active EE | $3,545 | $5,900-39.9% | $6,953-49.0% | $4,028-12.0% |
| Admin fee / account holder | $447 | $5,640-92.1% | $6,734-93.4% | $5,403-91.7% |