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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 | $6,598 | $182,442-96.4% | $163,379-96.0% | $138,895-95.2% |
| Participation rate | 83.3% | 79.8%+3.6pp | 76.8%+6.5pp | 79.9%+3.4pp |
| Annual return | 21.63% | 72.74%-51.1pp | 63.41%-41.8pp | 145.39%-123.8pp |
| Employer contribution / active EE | $1,146 | $4,159-72.4% | $3,752-69.5% | $4,194-72.7% |
| Participant deferral / active EE | $3,135 | $6,817-54.0% | $6,282-50.1% | $6,396-51.0% |
| Admin fee / account holder | $751 | $10,396-92.8% | $9,818-92.3% | $12,562-94.0% |