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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 | $111,830-91.1% | $93,696-89.3% | $145,884-93.2% |
| Participation rate | 73.7% | 74.2%-0.5pp | 68.7%+5.0pp | 80.3%-6.6pp |
| Annual return | 11.95% | 204.08%-192.1pp | 133.74%-121.8pp | 551.85%-539.9pp |
| Employer contribution / active EE | $1,483 | $3,093-52.1% | $2,422-38.8% | $4,662-68.2% |
| Participant deferral / active EE | $1,966 | $4,920-60.0% | $4,417-55.5% | $6,690-70.6% |
| Admin fee / account holder | $359 | $10,249-96.5% | $8,287-95.7% | $13,392-97.3% |