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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 | $17,510 | $85,766-79.6% | $136,298-87.2% | $70,126-75.0% |
| Participation rate | 76.2% | 74.2%+2.0pp | 81.9%-5.7pp | 69.5%+6.7pp |
| Annual return | 29.82% | 31.46%-1.6pp | 5156.27%-5126.5pp | 73.15%-43.3pp |
| Employer contribution / active EE | $1,703 | $2,966-42.6% | $4,696-63.7% | $2,343-27.3% |
| Participant deferral / active EE | $3,022 | $5,051-40.2% | $6,247-51.6% | $3,332-9.3% |
| Admin fee / account holder | $697 | $5,421-87.1% | $9,244-92.5% | $4,645-85.0% |