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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 | $14,736 | $135,956-89.2% | $123,894-88.1% | $273,972-94.6% |
| Participation rate | 80.0% | 84.1%-4.1pp | 81.4%-1.4pp | 83.0%-3.0pp |
| Annual return | 21.03% | 56.63%-35.6pp | 47.52%-26.5pp | 41.46%-20.4pp |
| Employer contribution / active EE | $2,078 | $5,170-59.8% | $4,617-55.0% | $4,869-57.3% |
| Participant deferral / active EE | $4,833 | $6,343-23.8% | $5,984-19.2% | $5,287-8.6% |
| Admin fee / account holder | $645 | $9,817-93.4% | $8,357-92.3% | $10,133-93.6% |