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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 | $19,930 | $89,370-77.7% | $141,197-85.9% | $72,976-72.7% |
| Participation rate | 70.0% | 75.1%-5.1pp | 82.5%-12.5pp | 69.5%+0.5pp |
| Annual return | 31.21% | 111.88%-80.7pp | 71.41%-40.2pp | 81.02%-49.8pp |
| Employer contribution / active EE | $2,240 | $3,115-28.1% | $4,736-52.7% | $2,440-8.2% |
| Participant deferral / active EE | $4,601 | $5,419-15.1% | $6,710-31.4% | $3,608+27.5% |
| Admin fee / account holder | $575 | $5,957-90.4% | $10,265-94.4% | $5,124-88.8% |