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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 | $18,309 | $85,766-78.7% | $136,298-86.6% | $70,126-73.9% |
| Participation rate | 97.6% | 74.2%+23.5pp | 81.9%+15.7pp | 69.5%+28.1pp |
| Annual return | 15.94% | 31.46%-15.5pp | 5156.27%-5140.3pp | 73.15%-57.2pp |
| Employer contribution / active EE | $4,200 | $2,966+41.6% | $4,696-10.5% | $2,343+79.3% |
| Participant deferral / active EE | $2,550 | $5,051-49.5% | $6,247-59.2% | $3,332-23.5% |
| Admin fee / account holder | $656 | $5,421-87.9% | $9,244-92.9% | $4,645-85.9% |