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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 | $13,009 | $183,516-92.9% | $155,534-91.6% | $145,884-91.1% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 12.94% | 61.43%-48.5pp | 64.92%-52.0pp | 551.85%-538.9pp |
| Employer contribution / active EE | $1,076 | $5,315-79.8% | $4,675-77.0% | $4,662-76.9% |
| Participant deferral / active EE | $3,312 | $6,467-48.8% | $5,630-41.2% | $6,690-50.5% |
| Admin fee / account holder | $970 | $19,293-95.0% | $15,900-93.9% | $13,392-92.8% |