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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 | $9,177 | $88,672-89.7% | $105,223-91.3% | $82,448-88.9% |
| Participation rate | 80.6% | 67.9%+12.7pp | 75.0%+5.6pp | 68.1%+12.6pp |
| Annual return | 19.63% | 30.86%-11.2pp | 180.65%-161.0pp | 41.64%-22.0pp |
| Employer contribution / active EE | $2,522 | $3,048-17.2% | $3,689-31.6% | $2,551-1.1% |
| Participant deferral / active EE | $1,949 | $4,036-51.7% | $5,072-61.6% | $4,139-52.9% |
| Admin fee / account holder | $1,642 | $7,146-77.0% | $8,859-81.5% | $7,234-77.3% |