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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 | $19,841 | $142,426-86.1% | $115,167-82.8% | $152,909-87.0% |
| Participation rate | 78.3% | 82.4%-4.1pp | 75.9%+2.4pp | 82.5%-4.2pp |
| Annual return | 23.57% | 41.48%-17.9pp | 35.60%-12.0pp | 345.46%-321.9pp |
| Employer contribution / active EE | $1,386 | $4,011-65.4% | $3,179-56.4% | $4,764-70.9% |
| Participant deferral / active EE | $1,765 | $5,165-65.8% | $4,169-57.6% | $5,851-69.8% |
| Admin fee / account holder | $485 | $8,464-94.3% | $7,089-93.2% | $11,601-95.8% |