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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 | $18,454 | $89,367-79.4% | $141,191-86.9% | $72,975-74.7% |
| Participation rate | 78.1% | 75.1%+3.0pp | 82.5%-4.3pp | 69.5%+8.6pp |
| Annual return | 31.30% | 111.87%-80.6pp | 71.41%-40.1pp | 81.01%-49.7pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,704 | $5,419+5.3% | $6,710-15.0% | $3,608+58.1% |
| Admin fee / account holder | $922 | $5,957-84.5% | $10,264-91.0% | $5,124-82.0% |