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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 | $6,706 | $88,672-92.4% | $105,223-93.6% | $82,448-91.9% |
| Participation rate | 87.9% | 67.9%+20.0pp | 75.0%+12.8pp | 68.1%+19.8pp |
| Annual return | 17.63% | 30.86%-13.2pp | 180.65%-163.0pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,037 | $3,048-66.0% | $3,689-71.9% | $2,551-59.4% |
| Participant deferral / active EE | $2,412 | $4,036-40.2% | $5,072-52.4% | $4,139-41.7% |
| Admin fee / account holder | $1,775 | $7,146-75.2% | $8,859-80.0% | $7,234-75.5% |