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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 | $15,273 | $50,947-70.0% | $74,549-79.5% | $64,173-76.2% |
| Participation rate | 74.2% | 61.1%+13.1pp | 69.1%+5.0pp | 69.6%+4.6pp |
| Annual return | -6.48% | -1.85%-4.6pp | 32.53%-39.0pp | 7.63%-14.1pp |
| Employer contribution / active EE | $2,628 | $1,115+135.6% | $1,961+34.0% | $2,381+10.4% |
| Participant deferral / active EE | $2,671 | $2,302+16.1% | $3,108-14.1% | $3,470-23.0% |
| Admin fee / account holder | $1,324 | $4,221-68.6% | $5,059-73.8% | $4,887-72.9% |