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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 | $15,610 | $124,346-87.4% | $111,306-86.0% | $167,553-90.7% |
| Participation rate | 72.2% | 79.6%-7.4pp | 77.3%-5.1pp | 82.1%-9.9pp |
| Annual return | 13.52% | 37.46%-23.9pp | 54.67%-41.2pp | 478.89%-465.4pp |
| Employer contribution / active EE | $1,570 | $3,438-54.3% | $2,732-42.5% | $4,840-67.6% |
| Participant deferral / active EE | $4,496 | $5,182-13.2% | $4,488+0.2% | $6,343-29.1% |
| Admin fee / account holder | $3,369 | $10,623-68.3% | $7,966-57.7% | $12,316-72.6% |