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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 | $25,420 | $83,485-69.6% | $125,192-79.7% | $72,975-65.2% |
| Participation rate | 74.1% | 73.3%+0.8pp | 79.8%-5.7pp | 69.5%+4.6pp |
| Annual return | 150.93% | 25.77%+125.2pp | 43.79%+107.1pp | 81.01%+69.9pp |
| Employer contribution / active EE | $1,086 | $2,346-53.7% | $3,866-71.9% | $2,440-55.5% |
| Participant deferral / active EE | $2,112 | $3,586-41.1% | $4,937-57.2% | $3,608-41.5% |
| Admin fee / account holder | $926 | $5,518-83.2% | $9,704-90.5% | $5,124-81.9% |