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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 | $7,383 | $72,639-89.8% | $90,766-91.9% | $66,949-89.0% |
| Participation rate | 99.3% | 73.7%+25.6pp | 75.7%+23.6pp | 69.8%+29.5pp |
| Annual return | 0.00% | -12.28%+12.3pp | -12.16%+12.2pp | 1.57%-1.6pp |
| Employer contribution / active EE | $1,680 | $2,369-29.1% | $2,922-42.5% | $2,545-34.0% |
| Participant deferral / active EE | $1,886 | $3,979-52.6% | $4,565-58.7% | $4,239-55.5% |
| Admin fee / account holder | $1,551 | $708+119.1% | $8,446-81.6% | $594+161.2% |