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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 | $10,914 | $124,346-91.2% | $111,308-90.2% | $167,536-93.5% |
| Participation rate | 72.7% | 79.6%-6.9pp | 77.3%-4.6pp | 82.1%-9.4pp |
| Annual return | 10.91% | 37.45%-26.5pp | 54.67%-43.8pp | 478.82%-467.9pp |
| Employer contribution / active EE | $1,023 | $3,437-70.2% | $2,732-62.5% | $4,839-78.9% |
| Participant deferral / active EE | $3,945 | $5,182-23.9% | $4,487-12.1% | $6,342-37.8% |
| Admin fee / account holder | $503 | $10,621-95.3% | $7,965-93.7% | $12,315-95.9% |