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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 | $14,938 | $71,215-79.0% | $93,696-84.1% | $80,935-81.5% |
| Participation rate | 83.7% | 60.4%+23.3pp | 68.7%+15.0pp | 67.7%+16.1pp |
| Annual return | 13.88% | 11.27%+2.6pp | 133.74%-119.9pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,824 | $1,565+16.5% | $2,422-24.7% | $2,757-33.8% |
| Participant deferral / active EE | $1,663 | $4,037-58.8% | $4,417-62.3% | $4,299-61.3% |
| Admin fee / account holder | $412 | $6,958-94.1% | $8,287-95.0% | $6,924-94.0% |