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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 | $9,992 | $111,785-91.1% | $93,669-89.3% | $145,877-93.2% |
| Participation rate | 73.7% | 74.2%-0.5pp | 68.7%+5.0pp | 80.3%-6.6pp |
| Annual return | 11.95% | 203.79%-191.8pp | 133.59%-121.6pp | 551.28%-539.3pp |
| Employer contribution / active EE | $1,483 | $3,096-52.1% | $2,424-38.8% | $4,663-68.2% |
| Participant deferral / active EE | $1,966 | $4,919-60.0% | $4,416-55.5% | $6,691-70.6% |
| Admin fee / account holder | $359 | $10,256-96.5% | $8,291-95.7% | $13,402-97.3% |