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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 | $15,321 | $63,346-75.8% | $92,240-83.4% | $70,126-78.2% |
| Participation rate | 91.9% | 68.7%+23.2pp | 76.5%+15.4pp | 69.5%+22.4pp |
| Annual return | 22.35% | 530.19%-507.8pp | 176.29%-153.9pp | 73.15%-50.8pp |
| Employer contribution / active EE | $2,631 | $2,471+6.5% | $3,680-28.5% | $2,343+12.3% |
| Participant deferral / active EE | $6,301 | $2,854+120.8% | $3,897+61.7% | $3,332+89.1% |
| Admin fee / account holder | $621 | $3,841-83.8% | $5,194-88.0% | $4,645-86.6% |