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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 | $21,684 | $105,198-79.4% | $159,455-86.4% | $85,856-74.7% |
| Participation rate | 71.4% | 75.8%-4.4pp | 82.8%-11.4pp | 69.3%+2.1pp |
| Annual return | 16.73% | 45.08%-28.3pp | 263.63%-246.9pp | 318.58%-301.9pp |
| Employer contribution / active EE | $1,946 | $3,319-41.4% | $4,830-59.7% | $2,565-24.1% |
| Participant deferral / active EE | $4,129 | $5,946-30.6% | $7,353-43.8% | $3,952+4.5% |
| Admin fee / account holder | $1,035 | $6,934-85.1% | $10,800-90.4% | $6,261-83.5% |