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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 | $12,665 | $135,956-90.7% | $123,894-89.8% | $273,972-95.4% |
| Participation rate | 87.5% | 84.1%+3.4pp | 81.4%+6.1pp | 83.0%+4.5pp |
| Annual return | 42.17% | 56.63%-14.5pp | 47.52%-5.4pp | 41.46%+0.7pp |
| Employer contribution / active EE | $1,838 | $5,170-64.4% | $4,617-60.2% | $4,869-62.3% |
| Participant deferral / active EE | $4,714 | $6,343-25.7% | $5,984-21.2% | $5,287-10.9% |
| Admin fee / account holder | $392 | $9,817-96.0% | $8,357-95.3% | $10,133-96.1% |