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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 | $89,259-89.7% | $107,187-91.4% | $82,637-88.9% |
| Participation rate | 80.6% | 67.9%+12.7pp | 75.0%+5.6pp | 68.1%+12.6pp |
| Annual return | 19.63% | 21.02%-1.4pp | 204.55%-184.9pp | 53.51%-33.9pp |
| Employer contribution / active EE | $2,522 | $3,080-18.1% | $3,782-33.3% | $2,552-1.2% |
| Participant deferral / active EE | $1,949 | $4,037-51.7% | $5,096-61.8% | $4,126-52.8% |
| Admin fee / account holder | $1,642 | $7,381-77.8% | $9,162-82.1% | $7,339-77.6% |