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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 | $5,400 | $88,672-93.9% | $105,223-94.9% | $82,448-93.5% |
| Participation rate | 88.9% | 67.9%+21.0pp | 75.0%+13.8pp | 68.1%+20.8pp |
| Annual return | 30.44% | 30.86%-0.4pp | 180.65%-150.2pp | 41.64%-11.2pp |
| Employer contribution / active EE | $2,025 | $3,048-33.5% | $3,689-45.1% | $2,551-20.6% |
| Participant deferral / active EE | $2,415 | $4,036-40.2% | $5,072-52.4% | $4,139-41.7% |
| Admin fee / account holder | $414 | $7,146-94.2% | $8,859-95.3% | $7,234-94.3% |