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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 | $15,704 | $56,339-72.1% | $104,299-84.9% | $68,490-77.1% |
| Participation rate | 81.8% | 63.3%+18.6pp | 73.3%+8.5pp | 67.9%+13.9pp |
| Annual return | -17.56% | -9.19%-8.4pp | 24.62%-42.2pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,917 | $1,960-2.2% | $3,373-43.2% | $2,597-26.2% |
| Participant deferral / active EE | $3,453 | $3,077+12.2% | $4,626-25.3% | $4,028-14.3% |
| Admin fee / account holder | $2,204 | $4,902-55.0% | $7,339-70.0% | $5,403-59.2% |