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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 | $102,385-82.6% | $147,080-87.9% | $80,935-78.0% |
| Participation rate | 70.6% | 75.9%-5.3pp | 82.2%-11.6pp | 67.7%+2.9pp |
| Annual return | 24.99% | 135.09%-110.1pp | 420.17%-395.2pp | 35.66%-10.7pp |
| Employer contribution / active EE | $1,504 | $3,717-59.5% | $4,933-69.5% | $2,757-45.5% |
| Participant deferral / active EE | $4,327 | $6,651-34.9% | $8,066-46.4% | $4,299+0.6% |
| Admin fee / account holder | $3,798 | $7,951-52.2% | $12,989-70.8% | $6,924-45.1% |