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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 | $11,248 | $131,835-91.5% | $108,582-89.6% | $273,972-95.9% |
| Participation rate | 87.5% | 83.5%+4.0pp | 79.6%+7.9pp | 83.0%+4.5pp |
| Annual return | 10.11% | -91.57%+101.7pp | -51.70%+61.8pp | 41.46%-31.3pp |
| Employer contribution / active EE | $2,472 | $4,913-49.7% | $3,758-34.2% | $4,869-49.2% |
| Participant deferral / active EE | $3,104 | $5,127-39.5% | $4,311-28.0% | $5,287-41.3% |
| Admin fee / account holder | $1,536 | $10,253-85.0% | $7,645-79.9% | $10,133-84.8% |