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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 | $26,006 | $131,835-80.3% | $108,582-76.0% | $273,972-90.5% |
| Participation rate | 81.8% | 83.5%-1.6pp | 79.6%+2.2pp | 83.0%-1.2pp |
| Annual return | 6.43% | -91.57%+98.0pp | -51.70%+58.1pp | 41.46%-35.0pp |
| Employer contribution / active EE | $1,797 | $4,913-63.4% | $3,758-52.2% | $4,869-63.1% |
| Participant deferral / active EE | $9,573 | $5,127+86.7% | $4,311+122.1% | $5,287+81.1% |
| Admin fee / account holder | $1,409 | $10,253-86.3% | $7,645-81.6% | $10,133-86.1% |