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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 | $5,824 | $58,627-90.1% | $76,735-92.4% | $82,448-92.9% |
| Participation rate | 81.8% | 63.2%+18.6pp | 69.5%+12.3pp | 68.1%+13.8pp |
| Annual return | 115.64% | 39.10%+76.5pp | 29.77%+85.9pp | 41.64%+74.0pp |
| Employer contribution / active EE | $691 | $1,729-60.1% | $2,454-71.9% | $2,551-72.9% |
| Participant deferral / active EE | $1,787 | $3,134-43.0% | $4,088-56.3% | $4,139-56.8% |
| Admin fee / account holder | $2,039 | $5,323-61.7% | $7,189-71.6% | $7,234-71.8% |