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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 | $16,972 | $96,136-82.3% | $135,987-87.5% | $80,925-79.0% |
| Participation rate | 87.8% | 71.2%+16.6pp | 76.4%+11.4pp | 67.7%+20.1pp |
| Annual return | 14.19% | 28.70%-14.5pp | 580.01%-565.8pp | 35.65%-21.5pp |
| Employer contribution / active EE | $1,152 | $3,350-65.6% | $4,214-72.7% | $2,756-58.2% |
| Participant deferral / active EE | $2,166 | $5,706-62.0% | $7,027-69.2% | $4,299-49.6% |
| Admin fee / account holder | $4,263 | $8,236-48.2% | $6,716-36.5% | $6,940-38.6% |