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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 | $12,880 | $148,582-91.3% | $135,942-90.5% | $139,456-90.8% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 20.99% | 79.26%-58.3pp | 68.28%-47.3pp | 373.45%-352.5pp |
| Employer contribution / active EE | $2,548 | $5,245-51.4% | $4,858-47.5% | $4,753-46.4% |
| Participant deferral / active EE | $4,548 | $8,101-43.9% | $7,759-41.4% | $6,711-32.2% |
| Admin fee / account holder | $434 | $12,402-96.5% | $10,764-96.0% | $11,407-96.2% |