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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 | $19,115 | $78,423-75.6% | $95,964-80.1% | $79,856-76.1% |
| Participation rate | 80.8% | 73.5%+7.3pp | 77.1%+3.7pp | 69.6%+11.1pp |
| Annual return | 23.41% | 19.37%+4.0pp | 91.64%-68.2pp | 31.71%-8.3pp |
| Employer contribution / active EE | $2,473 | $1,945+27.1% | $2,541-2.7% | $2,471+0.1% |
| Participant deferral / active EE | $3,758 | $3,440+9.2% | $4,167-9.8% | $3,741+0.5% |
| Admin fee / account holder | $1,120 | $5,622-80.1% | $6,797-83.5% | $5,306-78.9% |