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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 | $11,934 | $101,950-88.3% | $125,529-90.5% | $86,983-86.3% |
| Participation rate | 81.4% | 70.2%+11.2pp | 74.7%+6.6pp | 69.5%+11.8pp |
| Annual return | 26.93% | 18.29%+8.6pp | 202.56%-175.6pp | 25.83%+1.1pp |
| Employer contribution / active EE | $1,323 | $2,358-43.9% | $3,058-56.7% | $2,584-48.8% |
| Participant deferral / active EE | $2,892 | $3,862-25.1% | $4,813-39.9% | $4,194-31.1% |
| Admin fee / account holder | $884 | $12,791-93.1% | $16,298-94.6% | $7,856-88.8% |