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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 | $21,103 | $65,437-67.8% | $86,698-75.7% | $66,949-68.5% |
| Participation rate | 97.1% | 75.5%+21.7pp | 76.6%+20.6pp | 69.8%+27.3pp |
| Annual return | -10.38% | -10.91%+0.5pp | 35.96%-46.3pp | 1.57%-12.0pp |
| Employer contribution / active EE | $6,420 | $2,154+198.1% | $2,837+126.3% | $2,545+152.2% |
| Participant deferral / active EE | $6,191 | $4,102+50.9% | $4,656+33.0% | $4,239+46.0% |
| Admin fee / account holder | $4,076 | $642+535.1% | $7,492-45.6% | $594+586.6% |