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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 | $15,492 | $105,200-85.3% | $159,474-90.3% | $85,847-82.0% |
| Participation rate | 86.1% | 75.8%+10.3pp | 82.8%+3.3pp | 69.3%+16.8pp |
| Annual return | 14.26% | 45.08%-30.8pp | 263.68%-249.4pp | 318.61%-304.3pp |
| Employer contribution / active EE | $1,692 | $3,319-49.0% | $4,831-65.0% | $2,565-34.0% |
| Participant deferral / active EE | $4,923 | $5,946-17.2% | $7,353-33.1% | $3,952+24.6% |
| Admin fee / account holder | $2,606 | $6,934-62.4% | $10,802-75.9% | $6,261-58.4% |