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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 | $28,113 | $86,288-67.4% | $111,306-74.7% | $85,851-67.3% |
| Participation rate | 76.2% | 73.3%+2.9pp | 77.3%-1.1pp | 69.3%+6.9pp |
| Annual return | 17.78% | 19.99%-2.2pp | 54.67%-36.9pp | 318.63%-300.9pp |
| Employer contribution / active EE | $1,550 | $2,044-24.2% | $2,732-43.3% | $2,565-39.6% |
| Participant deferral / active EE | $2,579 | $3,641-29.2% | $4,488-42.5% | $3,952-34.7% |
| Admin fee / account holder | $656 | $8,189-92.0% | $7,966-91.8% | $6,261-89.5% |