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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 | $12,669 | $165,381-92.3% | $149,730-91.5% | $158,966-92.0% |
| Participation rate | 78.6% | 84.6%-6.0pp | 82.5%-3.9pp | 82.0%-3.4pp |
| Annual return | 13.76% | 348.29%-334.5pp | 276.70%-262.9pp | 302.95%-289.2pp |
| Employer contribution / active EE | $2,292 | $5,104-55.1% | $4,645-50.7% | $4,762-51.9% |
| Participant deferral / active EE | $3,588 | $7,182-50.0% | $6,843-47.6% | $5,983-40.0% |
| Admin fee / account holder | $7,439 | $10,809-31.2% | $9,310-20.1% | $11,250-33.9% |