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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 | $20,784 | $251,004-91.7% | $191,597-89.2% | $138,895-85.0% |
| Participation rate | 91.3% | 82.4%+9.0pp | 76.9%+14.4pp | 79.9%+11.4pp |
| Annual return | 17.05% | 31.05%-14.0pp | 27.07%-10.0pp | 145.39%-128.3pp |
| Employer contribution / active EE | $2,454 | $6,226-60.6% | $5,025-51.2% | $4,194-41.5% |
| Participant deferral / active EE | $4,064 | $8,154-50.2% | $6,850-40.7% | $6,396-36.5% |
| Admin fee / account holder | $1,295 | $31,471-95.9% | $22,799-94.3% | $12,562-89.7% |