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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 | $19,963 | $102,385-80.5% | $147,080-86.4% | $80,935-75.3% |
| Participation rate | 82.2% | 75.9%+6.4pp | 82.2%0pp | 67.7%+14.6pp |
| Annual return | 14.82% | 135.09%-120.3pp | 420.17%-405.4pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,766 | $3,717-25.6% | $4,933-43.9% | $2,757+0.3% |
| Participant deferral / active EE | $6,682 | $6,651+0.5% | $8,066-17.2% | $4,299+55.4% |
| Admin fee / account holder | $5,756 | $7,951-27.6% | $12,989-55.7% | $6,924-16.9% |