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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 | $21,066 | $135,956-84.5% | $123,894-83.0% | $273,972-92.3% |
| Participation rate | 95.2% | 84.1%+11.2pp | 81.4%+13.8pp | 83.0%+12.2pp |
| Annual return | 77.01% | 56.63%+20.4pp | 47.52%+29.5pp | 41.46%+35.6pp |
| Employer contribution / active EE | $2,488 | $5,170-51.9% | $4,617-46.1% | $4,869-48.9% |
| Participant deferral / active EE | $4,257 | $6,343-32.9% | $5,984-28.9% | $5,287-19.5% |
| Admin fee / account holder | $1,004 | $9,817-89.8% | $8,357-88.0% | $10,133-90.1% |