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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 | $16,831 | $78,682-78.6% | $109,188-84.6% | $85,851-80.4% |
| Participation rate | 92.0% | 68.3%+23.7pp | 75.9%+16.1pp | 69.3%+22.7pp |
| Annual return | 17.27% | 25.09%-7.8pp | 25.76%-8.5pp | 318.63%-301.4pp |
| Employer contribution / active EE | $1,128 | $2,734-58.7% | $3,723-69.7% | $2,565-56.0% |
| Participant deferral / active EE | $1,799 | $3,468-48.1% | $4,654-61.4% | $3,952-54.5% |
| Admin fee / account holder | $908 | $5,470-83.4% | $6,755-86.6% | $6,261-85.5% |