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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 | $17,784 | $102,422-82.6% | $147,117-87.9% | $80,959-78.0% |
| Participation rate | 70.6% | 75.9%-5.3pp | 82.2%-11.6pp | 67.7%+2.9pp |
| Annual return | 24.99% | 135.16%-110.2pp | 420.54%-395.5pp | 35.67%-10.7pp |
| Employer contribution / active EE | $1,504 | $3,717-59.6% | $4,932-69.5% | $2,757-45.5% |
| Participant deferral / active EE | $4,327 | $6,652-34.9% | $8,065-46.3% | $4,300+0.6% |
| Admin fee / account holder | $3,798 | $7,953-52.2% | $12,993-70.8% | $6,925-45.2% |