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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 | $2,879 | $55,930-94.9% | $76,089-96.2% | $80,925-96.4% |
| Participation rate | 80.7% | 62.1%+18.6pp | 69.1%+11.6pp | 67.7%+13.0pp |
| Annual return | 15.09% | 20.58%-5.5pp | 360.94%-345.9pp | 35.65%-20.6pp |
| Employer contribution / active EE | $463 | $1,866-75.2% | $2,690-82.8% | $2,756-83.2% |
| Participant deferral / active EE | $1,252 | $3,051-59.0% | $4,259-70.6% | $4,299-70.9% |
| Admin fee / account holder | $873 | $5,241-83.3% | $6,418-86.4% | $6,940-87.4% |