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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 | $8,413 | $148,582-94.3% | $135,942-93.8% | $139,456-94.0% |
| Participation rate | 86.7% | 83.9%+2.8pp | 81.9%+4.8pp | 80.3%+6.3pp |
| Annual return | 26.91% | 79.26%-52.3pp | 68.28%-41.4pp | 373.45%-346.5pp |
| Employer contribution / active EE | $1,313 | $5,245-75.0% | $4,858-73.0% | $4,753-72.4% |
| Participant deferral / active EE | $2,502 | $8,101-69.1% | $7,759-67.7% | $6,711-62.7% |
| Admin fee / account holder | $563 | $12,402-95.5% | $10,764-94.8% | $11,407-95.1% |