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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 | $14,547 | $65,367-77.7% | $92,915-84.3% | $72,976-80.1% |
| Participation rate | 94.1% | 68.3%+25.8pp | 76.0%+18.1pp | 69.5%+24.6pp |
| Annual return | 40.37% | 42.11%-1.7pp | 109.45%-69.1pp | 81.02%-40.7pp |
| Employer contribution / active EE | $2,772 | $2,594+6.9% | $3,653-24.1% | $2,440+13.6% |
| Participant deferral / active EE | $4,205 | $3,128+34.4% | $4,238-0.8% | $3,608+16.5% |
| Admin fee / account holder | $368 | $4,251-91.4% | $5,796-93.7% | $5,124-92.8% |