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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 | $5,446 | $73,863-92.6% | $143,797-96.2% | $68,490-92.0% |
| Participation rate | 79.2% | 66.7%+12.5pp | 80.3%-1.2pp | 67.9%+11.3pp |
| Annual return | -17.67% | 0.91%-18.6pp | -0.04%-17.6pp | -7.85%-9.8pp |
| Employer contribution / active EE | $737 | $3,185-76.9% | $4,952-85.1% | $2,597-71.6% |
| Participant deferral / active EE | $1,279 | $3,385-62.2% | $5,638-77.3% | $4,028-68.2% |
| Admin fee / account holder | $697 | $5,756-87.9% | $14,679-95.3% | $5,403-87.1% |