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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 | $17,356 | $88,672-80.4% | $105,223-83.5% | $82,448-78.9% |
| Participation rate | 83.3% | 67.9%+15.4pp | 75.0%+8.3pp | 68.1%+15.3pp |
| Annual return | 24.46% | 30.86%-6.4pp | 180.65%-156.2pp | 41.64%-17.2pp |
| Employer contribution / active EE | $2,865 | $3,048-6.0% | $3,689-22.3% | $2,551+12.3% |
| Participant deferral / active EE | $5,233 | $4,036+29.7% | $5,072+3.2% | $4,139+26.4% |
| Admin fee / account holder | $1,423 | $7,146-80.1% | $8,859-83.9% | $7,234-80.3% |