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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 | $20,607 | $73,009-71.8% | $90,756-77.3% | $68,495-69.9% |
| Participation rate | 97.2% | 70.8%+26.4pp | 75.7%+21.5pp | 67.9%+29.3pp |
| Annual return | -17.05% | -13.81%-3.2pp | -12.16%-4.9pp | -7.84%-9.2pp |
| Employer contribution / active EE | $4,109 | $2,193+87.4% | $2,922+40.6% | $2,596+58.2% |
| Participant deferral / active EE | $5,474 | $3,626+51.0% | $4,565+19.9% | $4,028+35.9% |
| Admin fee / account holder | $1,255 | $5,896-78.7% | $8,445-85.1% | $5,403-76.8% |