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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 | $9,190 | $106,247-91.4% | $96,515-90.5% | $139,466-93.4% |
| Participation rate | 83.3% | 77.8%+5.5pp | 74.3%+9.0pp | 80.3%+3.0pp |
| Annual return | 16.61% | 38.47%-21.9pp | 35.73%-19.1pp | 373.66%-357.1pp |
| Employer contribution / active EE | $1,951 | $4,106-52.5% | $3,740-47.8% | $4,754-59.0% |
| Participant deferral / active EE | $3,254 | $5,456-40.4% | $4,880-33.3% | $6,712-51.5% |
| Admin fee / account holder | $742 | $7,885-90.6% | $6,735-89.0% | $11,409-93.5% |