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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 | $14,543 | $202,463-92.8% | $169,397-91.4% | $139,487-89.6% |
| Participation rate | 81.3% | 81.1%+0.1pp | 77.2%+4.1pp | 80.3%+0.9pp |
| Annual return | 19.60% | 532.64%-513.0pp | 406.23%-386.6pp | 373.84%-354.2pp |
| Employer contribution / active EE | $1,522 | $4,694-67.6% | $4,013-62.1% | $4,755-68.0% |
| Participant deferral / active EE | $2,818 | $6,941-59.4% | $6,223-54.7% | $6,713-58.0% |
| Admin fee / account holder | $501 | $10,726-95.3% | $9,017-94.4% | $11,407-95.6% |