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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 | $17,142 | $93,345-81.6% | $119,126-85.6% | $87,485-80.4% |
| Participation rate | 77.3% | 68.7%+8.5pp | 75.8%+1.5pp | 68.9%+8.3pp |
| Annual return | 14.40% | 19.08%-4.7pp | 282.11%-267.7pp | 26.06%-11.7pp |
| Employer contribution / active EE | $4,228 | $3,172+33.3% | $4,034+4.8% | $2,596+62.8% |
| Participant deferral / active EE | $0 | $4,099-100.0% | $5,318-100.0% | $4,274-100.0% |
| Admin fee / account holder | $1,322 | $8,039-83.6% | $10,693-87.6% | $7,775-83.0% |