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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 | $5,263 | $95,915-94.5% | $79,580-93.4% | $134,532-96.1% |
| Participation rate | 84.2% | 75.0%+9.2pp | 69.5%+14.7pp | 81.2%+3.0pp |
| Annual return | -15.56% | -2.71%-12.8pp | 0.15%-15.7pp | 418.27%-433.8pp |
| Employer contribution / active EE | $2,128 | $3,129-32.0% | $2,413-11.8% | $4,741-55.1% |
| Participant deferral / active EE | $3,057 | $4,693-34.9% | $3,985-23.3% | $6,401-52.2% |
| Admin fee / account holder | $1,196 | $9,132-86.9% | $6,835-82.5% | $11,429-89.5% |