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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 | $30,972 | $110,083-71.9% | $151,645-79.6% | $68,490-54.8% |
| Participation rate | 96.4% | 84.0%+12.5pp | 87.5%+8.9pp | 67.9%+28.5pp |
| Annual return | -17.55% | -10.12%-7.4pp | 3.34%-20.9pp | -7.85%-9.7pp |
| Employer contribution / active EE | $3,673 | $4,470-17.8% | $6,165-40.4% | $2,597+41.4% |
| Participant deferral / active EE | $10,534 | $6,526+61.4% | $8,363+26.0% | $4,028+161.5% |
| Admin fee / account holder | $513 | $7,718-93.4% | $11,614-95.6% | $5,403-90.5% |