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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 | $18,510 | $89,259-79.3% | $107,187-82.7% | $82,637-77.6% |
| Participation rate | 88.9% | 67.9%+21.0pp | 75.0%+13.9pp | 68.1%+20.8pp |
| Annual return | 16.82% | 21.02%-4.2pp | 204.55%-187.7pp | 53.51%-36.7pp |
| Employer contribution / active EE | $1,528 | $3,080-50.4% | $3,782-59.6% | $2,552-40.1% |
| Participant deferral / active EE | $2,827 | $4,037-30.0% | $5,096-44.5% | $4,126-31.5% |
| Admin fee / account holder | $1,159 | $7,381-84.3% | $9,162-87.3% | $7,339-84.2% |