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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 | $22,203 | $113,941-80.5% | $94,229-76.4% | $125,389-82.3% |
| Participation rate | 72.2% | 82.9%-10.7pp | 78.8%-6.5pp | 83.2%-11.0pp |
| Annual return | -0.76% | 5.29%-6.0pp | 10.68%-11.4pp | 282.24%-283.0pp |
| Employer contribution / active EE | $2,457 | $4,727-48.0% | $3,587-31.5% | $4,866-49.5% |
| Participant deferral / active EE | $3,822 | $5,179-26.2% | $4,320-11.5% | $5,352-28.6% |
| Admin fee / account holder | $4,023 | $8,392-52.1% | $6,269-35.8% | $9,541-57.8% |