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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 | $8,553 | $103,038-91.7% | $90,324-90.5% | $152,909-94.4% |
| Participation rate | 86.7% | 75.9%+10.8pp | 73.3%+13.4pp | 82.5%+4.2pp |
| Annual return | 26.35% | 95.25%-68.9pp | 78.15%-51.8pp | 345.46%-319.1pp |
| Employer contribution / active EE | $2,006 | $3,141-36.1% | $2,856-29.8% | $4,764-57.9% |
| Participant deferral / active EE | $2,513 | $4,282-41.3% | $3,885-35.3% | $5,851-57.1% |
| Admin fee / account holder | $447 | $6,177-92.8% | $5,356-91.7% | $11,601-96.2% |