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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 | $15,443 | $99,032-84.4% | $80,022-80.7% | $135,379-88.6% |
| Participation rate | 95.0% | 78.4%+16.6pp | 75.8%+19.2pp | 82.6%+12.4pp |
| Annual return | -6.39% | 15.39%-21.8pp | 11.22%-17.6pp | 519.79%-526.2pp |
| Employer contribution / active EE | $2,182 | $3,043-28.3% | $2,468-11.6% | $4,779-54.3% |
| Participant deferral / active EE | $3,985 | $4,282-6.9% | $3,686+8.1% | $5,609-28.9% |
| Admin fee / account holder | $781 | $10,436-92.5% | $6,521-88.0% | $10,828-92.8% |