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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 | $12,667 | $89,259-85.8% | $107,187-88.2% | $82,637-84.7% |
| Participation rate | 93.5% | 67.9%+25.5pp | 75.0%+18.5pp | 68.1%+25.4pp |
| Annual return | 20.50% | 21.02%-0.5pp | 204.55%-184.0pp | 53.51%-33.0pp |
| Employer contribution / active EE | $1,768 | $3,080-42.6% | $3,782-53.3% | $2,552-30.7% |
| Participant deferral / active EE | $3,621 | $4,037-10.3% | $5,096-28.9% | $4,126-12.2% |
| Admin fee / account holder | $1,001 | $7,381-86.4% | $9,162-89.1% | $7,339-86.4% |