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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 | $17,490 | $88,672-80.3% | $105,223-83.4% | $82,448-78.8% |
| Participation rate | 97.0% | 67.9%+29.0pp | 75.0%+21.9pp | 68.1%+28.9pp |
| Annual return | 15.54% | 30.86%-15.3pp | 180.65%-165.1pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,771 | $3,048-41.9% | $3,689-52.0% | $2,551-30.6% |
| Participant deferral / active EE | $4,593 | $4,036+13.8% | $5,072-9.4% | $4,139+11.0% |
| Admin fee / account holder | $1,387 | $7,146-80.6% | $8,859-84.3% | $7,234-80.8% |