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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 | $20,017 | $89,367-77.6% | $141,191-85.8% | $72,975-72.6% |
| Participation rate | 76.7% | 75.1%+1.5pp | 82.5%-5.8pp | 69.5%+7.2pp |
| Annual return | 25.32% | 111.87%-86.5pp | 71.41%-46.1pp | 81.01%-55.7pp |
| Employer contribution / active EE | $1,111 | $3,115-64.3% | $4,736-76.5% | $2,440-54.5% |
| Participant deferral / active EE | $3,501 | $5,419-35.4% | $6,710-47.8% | $3,608-3.0% |
| Admin fee / account holder | $647 | $5,957-89.1% | $10,264-93.7% | $5,124-87.4% |