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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 | $26,602 | $78,707-66.2% | $117,861-77.4% | $70,126-62.1% |
| Participation rate | 92.3% | 73.2%+19.1pp | 79.7%+12.6pp | 69.5%+22.8pp |
| Annual return | 20.61% | 23.30%-2.7pp | 335.11%-314.5pp | 73.15%-52.5pp |
| Employer contribution / active EE | $4,454 | $2,223+100.3% | $3,786+17.6% | $2,343+90.1% |
| Participant deferral / active EE | $4,306 | $3,297+30.6% | $4,482-3.9% | $3,332+29.2% |
| Admin fee / account holder | $2,747 | $5,066-45.8% | $8,021-65.8% | $4,645-40.9% |