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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 | $6,104 | $106,247-94.3% | $96,515-93.7% | $139,466-95.6% |
| Participation rate | 89.5% | 77.8%+11.6pp | 74.3%+15.1pp | 80.3%+9.1pp |
| Annual return | 14.42% | 38.47%-24.0pp | 35.73%-21.3pp | 373.66%-359.2pp |
| Employer contribution / active EE | $1,582 | $4,106-61.5% | $3,740-57.7% | $4,754-66.7% |
| Participant deferral / active EE | $4,014 | $5,456-26.4% | $4,880-17.7% | $6,712-40.2% |
| Admin fee / account holder | $1,644 | $7,885-79.1% | $6,735-75.6% | $11,409-85.6% |