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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 | $16,047 | $103,393-84.5% | $87,103-81.6% | $152,909-89.5% |
| Participation rate | 85.0% | 79.4%+5.6pp | 76.9%+8.1pp | 82.5%+2.5pp |
| Annual return | 30.60% | 28.10%+2.5pp | 28.19%+2.4pp | 345.46%-314.9pp |
| Employer contribution / active EE | $3,052 | $3,221-5.3% | $2,521+21.0% | $4,764-35.9% |
| Participant deferral / active EE | $5,527 | $4,778+15.7% | $4,049+36.5% | $5,851-5.5% |
| Admin fee / account holder | $752 | $12,195-93.8% | $7,491-90.0% | $11,601-93.5% |