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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 | $19,900 | $89,367-77.7% | $141,191-85.9% | $72,975-72.7% |
| Participation rate | 96.2% | 75.1%+21.0pp | 82.5%+13.7pp | 69.5%+26.7pp |
| Annual return | 24.09% | 111.87%-87.8pp | 71.41%-47.3pp | 81.01%-56.9pp |
| Employer contribution / active EE | $1,879 | $3,115-39.7% | $4,736-60.3% | $2,440-23.0% |
| Participant deferral / active EE | $3,029 | $5,419-44.1% | $6,710-54.9% | $3,608-16.0% |
| Admin fee / account holder | $2,399 | $5,957-59.7% | $10,264-76.6% | $5,124-53.2% |