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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 | $14,309 | $93,617-84.7% | $135,982-89.5% | $75,177-81.0% |
| Participation rate | 89.8% | 75.2%+14.6pp | 81.9%+7.9pp | 67.2%+22.6pp |
| Annual return | 15.44% | 30.89%-15.4pp | 68.32%-52.9pp | 160.75%-145.3pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,676 | $6,406-58.2% | $7,760-65.5% | $4,126-35.1% |
| Admin fee / account holder | $1,533 | $6,980-78.0% | $10,767-85.8% | $5,651-72.9% |