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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 | $19,243 | $99,079-80.6% | $78,002-75.3% | $273,972-93.0% |
| Participation rate | 87.5% | 78.6%+8.9pp | 75.5%+12.0pp | 83.0%+4.5pp |
| Annual return | 7.25% | 217.93%-210.7pp | 425.99%-418.7pp | 41.46%-34.2pp |
| Employer contribution / active EE | $2,266 | $3,308-31.5% | $2,470-8.3% | $4,869-53.5% |
| Participant deferral / active EE | $4,084 | $4,306-5.2% | $3,497+16.8% | $5,287-22.8% |
| Admin fee / account holder | $1,909 | $8,954-78.7% | $5,481-65.2% | $10,133-81.2% |