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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 | $27,853 | $101,950-72.7% | $125,529-77.8% | $86,983-68.0% |
| Participation rate | 84.3% | 70.2%+14.1pp | 74.7%+9.6pp | 69.5%+14.7pp |
| Annual return | 15.58% | 18.29%-2.7pp | 202.56%-187.0pp | 25.83%-10.3pp |
| Employer contribution / active EE | $1,882 | $2,358-20.2% | $3,058-38.5% | $2,584-27.2% |
| Participant deferral / active EE | $3,518 | $3,862-8.9% | $4,813-26.9% | $4,194-16.1% |
| Admin fee / account holder | $2,577 | $12,791-79.9% | $16,298-84.2% | $7,856-67.2% |