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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 | $9,863 | $107,353-90.8% | $92,903-89.4% | $152,885-93.5% |
| Participation rate | 86.7% | 79.8%+6.9pp | 76.0%+10.7pp | 82.5%+4.2pp |
| Annual return | 21.38% | 145.62%-124.2pp | 109.43%-88.1pp | 345.39%-324.0pp |
| Employer contribution / active EE | $1,188 | $4,222-71.9% | $3,653-67.5% | $4,763-75.1% |
| Participant deferral / active EE | $2,337 | $4,848-51.8% | $4,238-44.8% | $5,851-60.1% |
| Admin fee / account holder | $312 | $7,081-95.6% | $5,795-94.6% | $11,598-97.3% |