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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 | $21,026 | $85,766-75.5% | $136,298-84.6% | $70,126-70.0% |
| Participation rate | 87.8% | 74.2%+13.6pp | 81.9%+5.8pp | 69.5%+18.2pp |
| Annual return | 17.40% | 31.46%-14.1pp | 5156.27%-5138.9pp | 73.15%-55.7pp |
| Employer contribution / active EE | $676 | $2,966-77.2% | $4,696-85.6% | $2,343-71.2% |
| Participant deferral / active EE | $2,925 | $5,051-42.1% | $6,247-53.2% | $3,332-12.2% |
| Admin fee / account holder | $1,241 | $5,421-77.1% | $9,244-86.6% | $4,645-73.3% |