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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 | $16,310 | $152,619-89.3% | $125,195-87.0% | $152,909-89.3% |
| Participation rate | 95.2% | 83.3%+11.9pp | 79.8%+15.5pp | 82.5%+12.8pp |
| Annual return | 27.86% | 54.85%-27.0pp | 43.79%-15.9pp | 345.46%-317.6pp |
| Employer contribution / active EE | $1,899 | $4,947-61.6% | $3,866-50.9% | $4,764-60.1% |
| Participant deferral / active EE | $5,688 | $5,869-3.1% | $4,937+15.2% | $5,851-2.8% |
| Admin fee / account holder | $664 | $13,437-95.1% | $9,704-93.2% | $11,601-94.3% |