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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 | $13,020 | $98,760-86.8% | $149,715-91.3% | $79,858-83.7% |
| Participation rate | 92.3% | 75.8%+16.5pp | 82.5%+9.8pp | 69.6%+22.7pp |
| Annual return | 21.76% | 27.43%-5.7pp | 276.66%-254.9pp | 31.72%-10.0pp |
| Employer contribution / active EE | $2,032 | $3,217-36.8% | $4,645-56.2% | $2,471-17.8% |
| Participant deferral / active EE | $3,916 | $5,681-31.1% | $6,842-42.8% | $3,740+4.7% |
| Admin fee / account holder | $1,611 | $6,053-73.4% | $9,310-82.7% | $5,306-69.6% |