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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 | $7,737 | $59,819-87.1% | $79,583-90.3% | $68,490-88.7% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.5%+30.5pp | 67.9%+32.1pp |
| Annual return | -17.00% | -12.30%-4.7pp | 0.16%-17.2pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,469 | $1,505-2.4% | $2,414-39.1% | $2,597-43.4% |
| Participant deferral / active EE | $1,451 | $3,025-52.0% | $3,986-63.6% | $4,028-64.0% |
| Admin fee / account holder | $2,322 | $4,835-52.0% | $6,835-66.0% | $5,403-57.0% |