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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 | $19,318 | $88,672-78.2% | $105,223-81.6% | $82,448-76.6% |
| Participation rate | 85.4% | 67.9%+17.4pp | 75.0%+10.3pp | 68.1%+17.3pp |
| Annual return | 23.67% | 30.86%-7.2pp | 180.65%-157.0pp | 41.64%-18.0pp |
| Employer contribution / active EE | $1,768 | $3,048-42.0% | $3,689-52.1% | $2,551-30.7% |
| Participant deferral / active EE | $3,164 | $4,036-21.6% | $5,072-37.6% | $4,139-23.6% |
| Admin fee / account holder | $3,733 | $7,146-47.8% | $8,859-57.9% | $7,234-48.4% |