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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 | $20,489 | $98,760-79.3% | $149,715-86.3% | $79,858-74.3% |
| Participation rate | 86.7% | 75.8%+10.9pp | 82.5%+4.2pp | 69.6%+17.0pp |
| Annual return | 20.34% | 27.43%-7.1pp | 276.66%-256.3pp | 31.72%-11.4pp |
| Employer contribution / active EE | $2,184 | $3,217-32.1% | $4,645-53.0% | $2,471-11.6% |
| Participant deferral / active EE | $4,008 | $5,681-29.5% | $6,842-41.4% | $3,740+7.2% |
| Admin fee / account holder | $672 | $6,053-88.9% | $9,310-92.8% | $5,306-87.3% |