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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 | $12,070 | $113,941-89.4% | $94,228-87.2% | $125,388-90.4% |
| Participation rate | 95.0% | 82.9%+12.1pp | 78.8%+16.2pp | 83.2%+11.8pp |
| Annual return | -1.68% | 5.29%-7.0pp | 10.68%-12.4pp | 282.24%-283.9pp |
| Employer contribution / active EE | $3,097 | $4,727-34.5% | $3,587-13.6% | $4,866-36.4% |
| Participant deferral / active EE | $4,441 | $5,179-14.2% | $4,320+2.8% | $5,352-17.0% |
| Admin fee / account holder | $426 | $8,392-94.9% | $6,269-93.2% | $9,541-95.5% |