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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 | $24,079 | $98,776-75.6% | $149,745-83.9% | $79,856-69.8% |
| Participation rate | 78.6% | 75.8%+2.8pp | 82.5%-3.9pp | 69.6%+8.9pp |
| Annual return | 21.62% | 27.38%-5.8pp | 276.72%-255.1pp | 31.71%-10.1pp |
| Employer contribution / active EE | $2,286 | $3,217-29.0% | $4,646-50.8% | $2,471-7.5% |
| Participant deferral / active EE | $6,495 | $5,681+14.3% | $6,843-5.1% | $3,741+73.6% |
| Admin fee / account holder | $7,350 | $6,053+21.4% | $9,312-21.1% | $5,306+38.5% |