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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 | $15,931 | $85,766-81.4% | $136,298-88.3% | $70,126-77.3% |
| Participation rate | 85.2% | 74.2%+11.0pp | 81.9%+3.3pp | 69.5%+15.6pp |
| Annual return | 16.01% | 31.46%-15.4pp | 5156.27%-5140.3pp | 73.15%-57.1pp |
| Employer contribution / active EE | $4,464 | $2,966+50.5% | $4,696-4.9% | $2,343+90.5% |
| Participant deferral / active EE | $3,299 | $5,051-34.7% | $6,247-47.2% | $3,332-1.0% |
| Admin fee / account holder | $772 | $5,421-85.8% | $9,244-91.6% | $4,645-83.4% |