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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 | $20,518 | $105,200-80.5% | $159,474-87.1% | $85,847-76.1% |
| Participation rate | 96.4% | 75.8%+20.6pp | 82.8%+13.6pp | 69.3%+27.1pp |
| Annual return | 23.34% | 45.08%-21.7pp | 263.68%-240.3pp | 318.61%-295.3pp |
| Employer contribution / active EE | $1,856 | $3,319-44.1% | $4,831-61.6% | $2,565-27.6% |
| Participant deferral / active EE | $7,375 | $5,946+24.0% | $7,353+0.3% | $3,952+86.6% |
| Admin fee / account holder | $897 | $6,934-87.1% | $10,802-91.7% | $6,261-85.7% |