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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 | $4,454 | $56,063-92.1% | $76,051-94.1% | $80,911-94.5% |
| Participation rate | 77.8% | 62.0%+15.7pp | 69.1%+8.7pp | 67.6%+10.1pp |
| Annual return | 17.44% | 20.54%-3.1pp | 360.42%-343.0pp | 35.63%-18.2pp |
| Employer contribution / active EE | $444 | $1,874-76.3% | $2,690-83.5% | $2,756-83.9% |
| Participant deferral / active EE | $2,506 | $3,052-17.9% | $4,257-41.1% | $4,297-41.7% |
| Admin fee / account holder | $1,403 | $5,240-73.2% | $6,416-78.1% | $6,935-79.8% |