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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 | $19,228 | $65,034-70.4% | $90,970-78.9% | $79,856-75.9% |
| Participation rate | 83.3% | 61.6%+21.7pp | 69.0%+14.3pp | 69.6%+13.7pp |
| Annual return | 30.15% | 30.45%-0.3pp | 134.60%-104.4pp | 31.71%-1.6pp |
| Employer contribution / active EE | $3,875 | $1,247+210.7% | $2,122+82.6% | $2,471+56.8% |
| Participant deferral / active EE | $3,162 | $2,512+25.9% | $3,373-6.3% | $3,741-15.5% |
| Admin fee / account holder | $1,033 | $4,536-77.2% | $5,961-82.7% | $5,306-80.5% |