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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 | $20,526 | $89,370-77.0% | $141,197-85.5% | $72,976-71.9% |
| Participation rate | 72.5% | 75.1%-2.6pp | 82.5%-10.0pp | 69.5%+3.0pp |
| Annual return | 26.50% | 111.88%-85.4pp | 71.41%-44.9pp | 81.02%-54.5pp |
| Employer contribution / active EE | $1,681 | $3,115-46.0% | $4,736-64.5% | $2,440-31.1% |
| Participant deferral / active EE | $6,870 | $5,419+26.8% | $6,710+2.4% | $3,608+90.4% |
| Admin fee / account holder | $1,043 | $5,957-82.5% | $10,265-89.8% | $5,124-79.6% |