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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 | $17,422 | $101,795-82.9% | $165,100-89.4% | $80,959-78.5% |
| Participation rate | 74.4% | 71.8%+2.6pp | 78.6%-4.2pp | 67.7%+6.8pp |
| Annual return | 14.11% | 16.73%-2.6pp | 70.21%-56.1pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,790 | $2,954-39.4% | $4,348-58.8% | $2,757-35.1% |
| Participant deferral / active EE | $2,860 | $4,476-36.1% | $6,035-52.6% | $4,300-33.5% |
| Admin fee / account holder | $18,402 | $8,221+123.8% | $12,696+44.9% | $6,925+165.7% |