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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 | $18,510 | $93,345-80.2% | $119,126-84.5% | $87,485-78.8% |
| Participation rate | 88.9% | 68.7%+20.2pp | 75.8%+13.1pp | 68.9%+20.0pp |
| Annual return | 16.82% | 19.08%-2.3pp | 282.11%-265.3pp | 26.06%-9.2pp |
| Employer contribution / active EE | $1,528 | $3,172-51.8% | $4,034-62.1% | $2,596-41.2% |
| Participant deferral / active EE | $2,827 | $4,099-31.0% | $5,318-46.8% | $4,274-33.8% |
| Admin fee / account holder | $1,159 | $8,039-85.6% | $10,693-89.2% | $7,775-85.1% |