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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 | $21,960 | $91,536-76.0% | $130,062-83.1% | $75,177-70.8% |
| Participation rate | 70.4% | 71.5%-1.1pp | 78.5%-8.1pp | 67.2%+3.2pp |
| Annual return | 21.00% | -631.62%+652.6pp | -137.37%+158.4pp | 160.75%-139.8pp |
| Employer contribution / active EE | $1,392 | $2,845-51.1% | $4,322-67.8% | $2,671-47.9% |
| Participant deferral / active EE | $3,273 | $4,343-24.6% | $5,821-43.8% | $4,126-20.7% |
| Admin fee / account holder | $1,230 | $6,780-81.9% | $10,601-88.4% | $5,651-78.2% |