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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 | $5,334 | $57,541-90.7% | $95,759-94.4% | $75,177-92.9% |
| Participation rate | 77.8% | 62.5%+15.3pp | 72.3%+5.5pp | 67.2%+10.6pp |
| Annual return | 78.74% | 34.93%+43.8pp | 28.42%+50.3pp | 160.75%-82.0pp |
| Employer contribution / active EE | $1,319 | $1,808-27.0% | $2,836-53.5% | $2,671-50.6% |
| Participant deferral / active EE | $1,879 | $3,074-38.9% | $4,244-55.7% | $4,126-54.5% |
| Admin fee / account holder | $466 | $4,099-88.6% | $5,678-91.8% | $5,651-91.8% |