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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 | $9,435 | $88,672-89.4% | $105,223-91.0% | $82,448-88.6% |
| Participation rate | 72.9% | 67.9%+5.0pp | 75.0%-2.1pp | 68.1%+4.8pp |
| Annual return | 15.90% | 30.86%-15.0pp | 180.65%-164.7pp | 41.64%-25.7pp |
| Employer contribution / active EE | $2,441 | $3,048-19.9% | $3,689-33.8% | $2,551-4.3% |
| Participant deferral / active EE | $3,387 | $4,036-16.1% | $5,072-33.2% | $4,139-18.2% |
| Admin fee / account holder | $2,020 | $7,146-71.7% | $8,859-77.2% | $7,234-72.1% |