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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 | $9,460 | $166,242-94.3% | $165,071-94.3% | $145,884-93.5% |
| Participation rate | 81.0% | 82.0%-1.1pp | 78.6%+2.3pp | 80.3%+0.6pp |
| Annual return | 16.71% | 100.44%-83.7pp | 70.17%-53.5pp | 551.85%-535.1pp |
| Employer contribution / active EE | $1,725 | $5,283-67.4% | $4,347-60.3% | $4,662-63.0% |
| Participant deferral / active EE | $3,579 | $6,964-48.6% | $6,035-40.7% | $6,690-46.5% |
| Admin fee / account holder | $1,187 | $16,658-92.9% | $12,695-90.6% | $13,392-91.1% |