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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 | $8,466 | $183,516-95.4% | $155,534-94.6% | $145,884-94.2% |
| Participation rate | 95.0% | 82.7%+12.3pp | 78.2%+16.8pp | 80.3%+14.7pp |
| Annual return | 9.89% | 61.43%-51.5pp | 64.92%-55.0pp | 551.85%-542.0pp |
| Employer contribution / active EE | $2,590 | $5,315-51.3% | $4,675-44.6% | $4,662-44.4% |
| Participant deferral / active EE | $1,979 | $6,467-69.4% | $5,630-64.9% | $6,690-70.4% |
| Admin fee / account holder | $900 | $19,293-95.3% | $15,900-94.3% | $13,392-93.3% |