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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 | $37,574 | $125,797-70.1% | $170,043-77.9% | $75,173-50.0% |
| Participation rate | 71.9% | 83.6%-11.7pp | 87.0%-15.1pp | 67.2%+4.7pp |
| Annual return | 21.68% | 27.20%-5.5pp | 53.40%-31.7pp | 160.72%-139.0pp |
| Employer contribution / active EE | $2,973 | $4,616-35.6% | $6,790-56.2% | $2,671+11.3% |
| Participant deferral / active EE | $4,513 | $6,838-34.0% | $10,410-56.7% | $4,126+9.4% |
| Admin fee / account holder | $889 | $8,177-89.1% | $12,824-93.1% | $5,651-84.3% |