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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 | $18,001 | $89,259-79.8% | $107,187-83.2% | $82,637-78.2% |
| Participation rate | 79.7% | 67.9%+11.8pp | 75.0%+4.7pp | 68.1%+11.7pp |
| Annual return | 14.49% | 21.02%-6.5pp | 204.55%-190.1pp | 53.51%-39.0pp |
| Employer contribution / active EE | $1,894 | $3,080-38.5% | $3,782-49.9% | $2,552-25.8% |
| Participant deferral / active EE | $2,853 | $4,037-29.3% | $5,096-44.0% | $4,126-30.9% |
| Admin fee / account holder | $875 | $7,381-88.2% | $9,162-90.5% | $7,339-88.1% |