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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 | $12,714 | $64,324-80.2% | $118,914-89.3% | $79,856-84.1% |
| Participation rate | 91.1% | 64.9%+26.3pp | 75.4%+15.7pp | 69.6%+21.5pp |
| Annual return | 34.58% | 86.45%-51.9pp | 35.89%-1.3pp | 31.71%+2.9pp |
| Employer contribution / active EE | $2,093 | $1,836+14.0% | $3,264-35.9% | $2,471-15.3% |
| Participant deferral / active EE | $3,528 | $2,824+24.9% | $4,266-17.3% | $3,741-5.7% |
| Admin fee / account holder | $452 | $4,040-88.8% | $6,582-93.1% | $5,306-91.5% |