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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 | $9,842 | $42,909-77.1% | $60,906-83.8% | $68,486-85.6% |
| Participation rate | 73.7% | 66.8%+6.9pp | 73.1%+0.6pp | 67.9%+5.8pp |
| Annual return | 47.83% | -13.99%+61.8pp | 16.94%+30.9pp | -7.85%+55.7pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,703-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,400 | $2,866+88.4% | $3,814+41.6% | $4,028+34.1% |
| Admin fee / account holder | $1,984 | $3,104-36.1% | $3,227-38.5% | $5,404-63.3% |