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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 | $7,520 | $124,314-94.0% | $109,163-93.1% | $167,518-95.5% |
| Participation rate | 91.7% | 79.4%+12.2pp | 75.9%+15.8pp | 82.1%+9.6pp |
| Annual return | 14.75% | 26.04%-11.3pp | 25.75%-11.0pp | 478.71%-464.0pp |
| Employer contribution / active EE | $1,192 | $4,209-71.7% | $3,723-68.0% | $4,838-75.4% |
| Participant deferral / active EE | $1,960 | $5,256-62.7% | $4,654-57.9% | $6,342-69.1% |
| Admin fee / account holder | $2,160 | $7,973-72.9% | $6,754-68.0% | $12,312-82.5% |