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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 | $5,813 | $182,442-96.8% | $163,379-96.4% | $138,895-95.8% |
| Participation rate | 95.7% | 79.8%+15.9pp | 76.8%+18.8pp | 79.9%+15.7pp |
| Annual return | 19.83% | 72.74%-52.9pp | 63.41%-43.6pp | 145.39%-125.6pp |
| Employer contribution / active EE | $1,686 | $4,159-59.5% | $3,752-55.1% | $4,194-59.8% |
| Participant deferral / active EE | $1,943 | $6,817-71.5% | $6,282-69.1% | $6,396-69.6% |
| Admin fee / account holder | $850 | $10,396-91.8% | $9,818-91.3% | $12,562-93.2% |