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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 | $13,413 | $106,923-87.5% | $84,023-84.0% | $152,909-91.2% |
| Participation rate | 89.5% | 75.3%+14.2pp | 69.0%+20.5pp | 82.5%+7.0pp |
| Annual return | 21.20% | 105.02%-83.8pp | 71.32%-50.1pp | 345.46%-324.3pp |
| Employer contribution / active EE | $1,448 | $2,735-47.1% | $1,984-27.0% | $4,764-69.6% |
| Participant deferral / active EE | $2,630 | $4,013-34.5% | $3,239-18.8% | $5,851-55.1% |
| Admin fee / account holder | $1,846 | $8,289-77.7% | $6,102-69.7% | $11,601-84.1% |