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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 | $20,248 | $56,200-64.0% | $67,653-70.1% | $59,633-66.0% |
| Participation rate | 97.3% | 71.5%+25.9pp | 75.7%+21.7pp | 68.7%+28.7pp |
| Annual return | 1.43% | 18506.71%-18505.3pp | 6625.22%-6623.8pp | 2041.40%-2040.0pp |
| Employer contribution / active EE | $1,181 | $1,615-26.9% | $2,266-47.9% | $2,203-46.4% |
| Participant deferral / active EE | $4,495 | $2,843+58.1% | $3,560+26.3% | $3,192+40.8% |
| Admin fee / account holder | $1,181 | $3,959-70.2% | $4,821-75.5% | $4,297-72.5% |