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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 | $5,950 | $71,215-91.6% | $93,696-93.7% | $80,935-92.6% |
| Participation rate | 78.4% | 60.4%+18.0pp | 68.7%+9.7pp | 67.7%+10.7pp |
| Annual return | 16.67% | 11.27%+5.4pp | 133.74%-117.1pp | 35.66%-19.0pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,785 | $4,037-55.8% | $4,417-59.6% | $4,299-58.5% |
| Admin fee / account holder | $398 | $6,958-94.3% | $8,287-95.2% | $6,924-94.2% |