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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 | $26,750 | $91,537-70.8% | $130,045-79.4% | $75,173-64.4% |
| Participation rate | 73.5% | 71.5%+2.1pp | 78.5%-5.0pp | 67.2%+6.3pp |
| Annual return | 15.63% | -631.55%+647.2pp | -137.30%+152.9pp | 160.72%-145.1pp |
| Employer contribution / active EE | $2,089 | $2,845-26.6% | $4,321-51.7% | $2,671-21.8% |
| Participant deferral / active EE | $3,022 | $4,343-30.4% | $5,820-48.1% | $4,126-26.8% |
| Admin fee / account holder | $3,755 | $6,780-44.6% | $10,600-64.6% | $5,651-33.5% |