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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 | $8,270 | $59,111-86.0% | $86,451-90.4% | $68,490-87.9% |
| Participation rate | 77.8% | 75.2%+2.5pp | 80.3%-2.6pp | 67.9%+9.9pp |
| Annual return | -17.39% | -0.22%-17.2pp | 4398.51%-4415.9pp | -7.85%-9.5pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,770-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,714 | $5,900-37.0% | $6,953-46.6% | $4,028-7.8% |
| Admin fee / account holder | $531 | $5,640-90.6% | $6,734-92.1% | $5,403-90.2% |