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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 | $21,488 | $149,741-85.7% | $118,914-81.9% | $158,982-86.5% |
| Participation rate | 85.7% | 82.1%+3.6pp | 75.4%+10.3pp | 82.0%+3.7pp |
| Annual return | 21.34% | 19.94%+1.4pp | 35.89%-14.5pp | 302.99%-281.7pp |
| Employer contribution / active EE | $4,127 | $4,119+0.2% | $3,264+26.4% | $4,763-13.3% |
| Participant deferral / active EE | $6,340 | $5,226+21.3% | $4,266+48.6% | $5,983+6.0% |
| Admin fee / account holder | $2,242 | $8,607-74.0% | $6,582-65.9% | $11,252-80.1% |