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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 | $17,847 | $65,367-72.7% | $92,915-80.8% | $72,976-75.5% |
| Participation rate | 70.7% | 68.3%+2.4pp | 76.0%-5.3pp | 69.5%+1.2pp |
| Annual return | 20.21% | 42.11%-21.9pp | 109.45%-89.2pp | 81.02%-60.8pp |
| Employer contribution / active EE | $2,009 | $2,594-22.6% | $3,653-45.0% | $2,440-17.7% |
| Participant deferral / active EE | $2,079 | $3,128-33.5% | $4,238-50.9% | $3,608-42.4% |
| Admin fee / account holder | $1,116 | $4,251-73.7% | $5,796-80.7% | $5,124-78.2% |