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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 | $21,933 | $101,763-78.4% | $164,866-86.7% | $80,874-72.9% |
| Participation rate | 86.9% | 71.8%+15.1pp | 78.6%+8.3pp | 67.6%+19.3pp |
| Annual return | 12.36% | 16.73%-4.4pp | 69.97%-57.6pp | 35.62%-23.3pp |
| Employer contribution / active EE | $1,618 | $2,954-45.3% | $4,343-62.8% | $2,756-41.3% |
| Participant deferral / active EE | $3,550 | $4,477-20.7% | $6,033-41.2% | $4,297-17.4% |
| Admin fee / account holder | $1,273 | $8,228-84.5% | $12,689-90.0% | $6,935-81.6% |