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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 | $20,331 | $78,670-74.2% | $109,173-81.4% | $85,847-76.3% |
| Participation rate | 97.8% | 68.3%+29.5pp | 75.9%+21.9pp | 69.3%+28.5pp |
| Annual return | 16.81% | 25.09%-8.3pp | 25.75%-8.9pp | 318.61%-301.8pp |
| Employer contribution / active EE | $2,191 | $2,734-19.8% | $3,723-41.1% | $2,565-14.6% |
| Participant deferral / active EE | $3,120 | $3,467-10.0% | $4,654-33.0% | $3,952-21.1% |
| Admin fee / account holder | $1,175 | $5,469-78.5% | $6,755-82.6% | $6,261-81.2% |