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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 | $5,833 | $88,672-93.4% | $105,223-94.5% | $82,448-92.9% |
| Participation rate | 82.0% | 67.9%+14.1pp | 75.0%+7.0pp | 68.1%+13.9pp |
| Annual return | 33.93% | 30.86%+3.1pp | 180.65%-146.7pp | 41.64%-7.7pp |
| Employer contribution / active EE | $934 | $3,048-69.3% | $3,689-74.7% | $2,551-63.4% |
| Participant deferral / active EE | $2,166 | $4,036-46.3% | $5,072-57.3% | $4,139-47.7% |
| Admin fee / account holder | $533 | $7,146-92.5% | $8,859-94.0% | $7,234-92.6% |