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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 | $15,254 | $78,423-80.5% | $95,964-84.1% | $79,856-80.9% |
| Participation rate | 96.3% | 73.5%+22.8pp | 77.1%+19.2pp | 69.6%+26.7pp |
| Annual return | 13.42% | 19.37%-6.0pp | 91.64%-78.2pp | 31.71%-18.3pp |
| Employer contribution / active EE | $1,689 | $1,945-13.2% | $2,541-33.6% | $2,471-31.7% |
| Participant deferral / active EE | $1,807 | $3,440-47.5% | $4,167-56.6% | $3,741-51.7% |
| Admin fee / account holder | $5,491 | $5,622-2.3% | $6,797-19.2% | $5,306+3.5% |