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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 | $6,127 | $174,379-96.5% | $152,093-96.0% | $138,895-95.6% |
| Participation rate | 95.5% | 81.6%+13.8pp | 77.8%+17.7pp | 79.9%+15.5pp |
| Annual return | 21.25% | 74.86%-53.6pp | 66.36%-45.1pp | 145.39%-124.1pp |
| Employer contribution / active EE | $1,536 | $4,652-67.0% | $4,175-63.2% | $4,194-63.4% |
| Participant deferral / active EE | $1,766 | $6,159-71.3% | $5,451-67.6% | $6,396-72.4% |
| Admin fee / account holder | $1,718 | $16,880-89.8% | $14,497-88.1% | $12,562-86.3% |