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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 | $18,097 | $232,540-92.2% | $185,117-90.2% | $147,586-87.7% |
| Participation rate | 81.8% | 82.4%-0.5pp | 77.3%+4.6pp | 82.8%-1.0pp |
| Annual return | 36.64% | 43.03%-6.4pp | 40.50%-3.9pp | 578.59%-542.0pp |
| Employer contribution / active EE | $2,138 | $5,195-58.8% | $4,182-48.9% | $4,876-56.2% |
| Participant deferral / active EE | $5,024 | $5,834-13.9% | $5,045-0.4% | $5,439-7.6% |
| Admin fee / account holder | $387 | $10,275-96.2% | $8,159-95.3% | $10,886-96.4% |