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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 | $22,624 | $98,776-77.1% | $149,745-84.9% | $79,856-71.7% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.5%+14.1pp | 69.6%+26.9pp |
| Annual return | 14.36% | 27.38%-13.0pp | 276.72%-262.4pp | 31.71%-17.4pp |
| Employer contribution / active EE | $1,780 | $3,217-44.7% | $4,646-61.7% | $2,471-28.0% |
| Participant deferral / active EE | $3,502 | $5,681-38.4% | $6,843-48.8% | $3,741-6.4% |
| Admin fee / account holder | $3,520 | $6,053-41.8% | $9,312-62.2% | $5,306-33.7% |