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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 | $17,735 | $81,870-78.3% | $119,622-85.2% | $68,486-74.1% |
| Participation rate | 75.9% | 71.9%+4.0pp | 79.3%-3.4pp | 67.9%+8.0pp |
| Annual return | -18.05% | -23.82%+5.8pp | -14.98%-3.1pp | -7.85%-10.2pp |
| Employer contribution / active EE | $927 | $2,692-65.5% | $4,232-78.1% | $2,597-64.3% |
| Participant deferral / active EE | $2,236 | $4,148-46.1% | $5,601-60.1% | $4,028-44.5% |
| Admin fee / account holder | $846 | $6,583-87.1% | $10,328-91.8% | $5,404-84.3% |