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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 | $16,904 | $131,835-87.2% | $108,582-84.4% | $273,972-93.8% |
| Participation rate | 75.0% | 83.5%-8.5pp | 79.6%-4.6pp | 83.0%-8.0pp |
| Annual return | 17.41% | -91.57%+109.0pp | -51.70%+69.1pp | 41.46%-24.0pp |
| Employer contribution / active EE | $1,663 | $4,913-66.1% | $3,758-55.8% | $4,869-65.8% |
| Participant deferral / active EE | $7,272 | $5,127+41.8% | $4,311+68.7% | $5,287+37.5% |
| Admin fee / account holder | $1,183 | $10,253-88.5% | $7,645-84.5% | $10,133-88.3% |