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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 | $4,896 | $77,638-93.7% | $156,551-96.9% | $62,881-92.2% |
| Participation rate | 81.3% | 71.2%+10.1pp | 84.0%-2.8pp | 69.3%+11.9pp |
| Annual return | 6.72% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $933 | $3,444-72.9% | $5,501-83.0% | $2,281-59.1% |
| Participant deferral / active EE | $1,141 | $3,046-62.5% | $4,871-76.6% | $3,203-64.4% |
| Admin fee / account holder | $1,011 | $5,561-81.8% | $13,028-92.2% | $4,296-76.5% |