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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 | $23,405 | $81,870-71.4% | $119,622-80.4% | $68,486-65.8% |
| Participation rate | 82.7% | 71.9%+10.8pp | 79.3%+3.4pp | 67.9%+14.8pp |
| Annual return | -15.57% | -23.82%+8.3pp | -14.98%-0.6pp | -7.85%-7.7pp |
| Employer contribution / active EE | $2,326 | $2,692-13.6% | $4,232-45.0% | $2,597-10.4% |
| Participant deferral / active EE | $5,387 | $4,148+29.9% | $5,601-3.8% | $4,028+33.8% |
| Admin fee / account holder | $1,696 | $6,583-74.2% | $10,328-83.6% | $5,404-68.6% |