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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 | $19,173 | $78,682-75.6% | $109,188-82.4% | $85,851-77.7% |
| Participation rate | 96.6% | 68.3%+28.3pp | 75.9%+20.7pp | 69.3%+27.2pp |
| Annual return | 15.80% | 25.09%-9.3pp | 25.76%-10.0pp | 318.63%-302.8pp |
| Employer contribution / active EE | $5,736 | $2,734+109.8% | $3,723+54.1% | $2,565+123.6% |
| Participant deferral / active EE | $2,549 | $3,468-26.5% | $4,654-45.2% | $3,952-35.5% |
| Admin fee / account holder | $2,165 | $5,470-60.4% | $6,755-68.0% | $6,261-65.4% |