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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 | $20,621 | $162,821-87.3% | $133,978-84.6% | $158,982-87.0% |
| Participation rate | 90.5% | 83.2%+7.2pp | 79.8%+10.6pp | 82.0%+8.5pp |
| Annual return | 16.36% | 41.95%-25.6pp | 45.10%-28.7pp | 302.99%-286.6pp |
| Employer contribution / active EE | $4,335 | $4,976-12.9% | $3,919+10.6% | $4,763-9.0% |
| Participant deferral / active EE | $2,062 | $5,910-65.1% | $5,047-59.1% | $5,983-65.5% |
| Admin fee / account holder | $616 | $11,742-94.8% | $8,930-93.1% | $11,252-94.5% |