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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 | $16,865 | $81,208-79.2% | $98,920-83.0% | $79,856-78.9% |
| Participation rate | 95.9% | 72.5%+23.4pp | 76.0%+19.8pp | 69.6%+26.2pp |
| Annual return | 22.77% | 60.99%-38.2pp | 196.47%-173.7pp | 31.71%-8.9pp |
| Employer contribution / active EE | $1,922 | $1,960-1.9% | $2,689-28.5% | $2,471-22.2% |
| Participant deferral / active EE | $3,212 | $3,265-1.6% | $4,245-24.3% | $3,741-14.1% |
| Admin fee / account holder | $1,721 | $6,013-71.4% | $6,643-74.1% | $5,306-67.6% |