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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 | $4,232 | $97,125-95.6% | $86,233-95.1% | $137,256-96.9% |
| Participation rate | 94.4% | 74.2%+20.2pp | 69.0%+25.4pp | 80.0%+14.5pp |
| Annual return | 19.53% | 74.19%-54.7pp | 61.39%-41.9pp | 220.34%-200.8pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $2,504-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,126 | $5,180-78.3% | $4,559-75.3% | $6,407-82.4% |
| Admin fee / account holder | $442 | $9,725-95.5% | $8,342-94.7% | $12,270-96.4% |