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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 | $16,752 | $82,674-79.7% | $125,381-86.6% | $68,486-75.5% |
| Participation rate | 98.0% | 75.1%+22.9pp | 82.4%+15.6pp | 67.9%+30.1pp |
| Annual return | -12.95% | -5.97%-7.0pp | 572.31%-585.3pp | -7.85%-5.1pp |
| Employer contribution / active EE | $2,667 | $3,382-21.2% | $4,815-44.6% | $2,597+2.7% |
| Participant deferral / active EE | $3,400 | $6,111-44.4% | $7,448-54.4% | $4,028-15.6% |
| Admin fee / account holder | $1,544 | $6,277-75.4% | $10,007-84.6% | $5,404-71.4% |