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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 | $12,295 | $52,580-76.6% | $71,671-82.8% | $70,126-82.5% |
| Participation rate | 84.4% | 60.9%+23.5pp | 68.7%+15.6pp | 69.5%+14.8pp |
| Annual return | 476.63% | 20.25%+456.4pp | 20.65%+456.0pp | 73.15%+403.5pp |
| Employer contribution / active EE | $1,354 | $1,616-16.2% | $2,460-45.0% | $2,343-42.2% |
| Participant deferral / active EE | $1,706 | $2,386-28.5% | $3,438-50.4% | $3,332-48.8% |
| Admin fee / account holder | $2,767 | $3,653-24.2% | $5,558-50.2% | $4,645-40.4% |