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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 | $18,080 | $227,566-92.1% | $189,558-90.5% | $167,518-89.2% |
| Participation rate | 87.5% | 82.5%+5.0pp | 78.5%+9.0pp | 82.1%+5.4pp |
| Annual return | 11.60% | 78.43%-66.8pp | 64.19%-52.6pp | 478.71%-467.1pp |
| Employer contribution / active EE | $1,776 | $5,316-66.6% | $4,412-59.8% | $4,838-63.3% |
| Participant deferral / active EE | $7,796 | $7,002+11.3% | $6,174+26.3% | $6,342+22.9% |
| Admin fee / account holder | $954 | $11,881-92.0% | $9,809-90.3% | $12,312-92.2% |