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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 | $13,158 | $148,629-91.1% | $135,982-90.3% | $139,487-90.6% |
| Participation rate | 76.9% | 83.9%-6.9pp | 81.9%-5.0pp | 80.3%-3.4pp |
| Annual return | 31.29% | 79.33%-48.0pp | 68.32%-37.0pp | 373.84%-342.6pp |
| Employer contribution / active EE | $1,690 | $5,247-67.8% | $4,859-65.2% | $4,755-64.4% |
| Participant deferral / active EE | $4,723 | $8,102-41.7% | $7,760-39.1% | $6,713-29.6% |
| Admin fee / account holder | $452 | $12,406-96.4% | $10,767-95.8% | $11,407-96.0% |