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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 | $17,914 | $102,429-82.5% | $147,096-87.8% | $80,925-77.9% |
| Participation rate | 85.2% | 75.9%+9.3pp | 82.2%+3.0pp | 67.7%+17.5pp |
| Annual return | 15.50% | 135.02%-119.5pp | 419.75%-404.3pp | 35.65%-20.2pp |
| Employer contribution / active EE | $1,215 | $3,716-67.3% | $4,936-75.4% | $2,756-55.9% |
| Participant deferral / active EE | $4,369 | $6,649-34.3% | $8,071-45.9% | $4,299+1.6% |
| Admin fee / account holder | $610 | $7,957-92.3% | $13,005-95.3% | $6,940-91.2% |