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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 | $24,048 | $102,385-76.5% | $147,080-83.6% | $80,935-70.3% |
| Participation rate | 71.2% | 75.9%-4.6pp | 82.2%-10.9pp | 67.7%+3.6pp |
| Annual return | 21.67% | 135.09%-113.4pp | 420.17%-398.5pp | 35.66%-14.0pp |
| Employer contribution / active EE | $3,622 | $3,717-2.5% | $4,933-26.6% | $2,757+31.4% |
| Participant deferral / active EE | $4,997 | $6,651-24.9% | $8,066-38.0% | $4,299+16.2% |
| Admin fee / account holder | $9,842 | $7,951+23.8% | $12,989-24.2% | $6,924+42.1% |