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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 | $17,477 | $118,695-85.3% | $98,916-82.3% | $158,950-89.0% |
| Participation rate | 94.1% | 77.8%+16.3pp | 76.0%+18.1pp | 82.0%+12.2pp |
| Annual return | 18.08% | 372.39%-354.3pp | 196.45%-178.4pp | 302.91%-284.8pp |
| Employer contribution / active EE | $1,265 | $3,333-62.0% | $2,689-53.0% | $4,762-73.4% |
| Participant deferral / active EE | $3,005 | $5,088-40.9% | $4,245-29.2% | $5,983-49.8% |
| Admin fee / account holder | $3,235 | $10,132-68.1% | $6,642-51.3% | $11,248-71.2% |