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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 | $20,918 | $101,752-79.4% | $164,928-87.3% | $80,911-74.1% |
| Participation rate | 89.3% | 71.8%+17.4pp | 78.6%+10.7pp | 67.6%+21.6pp |
| Annual return | 12.50% | 16.73%-4.2pp | 70.08%-57.6pp | 35.63%-23.1pp |
| Employer contribution / active EE | $5,892 | $2,953+99.5% | $4,343+35.7% | $2,756+113.8% |
| Participant deferral / active EE | $3,840 | $4,477-14.2% | $6,034-36.4% | $4,297-10.6% |
| Admin fee / account holder | $1,458 | $8,218-82.3% | $12,684-88.5% | $6,935-79.0% |