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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 | $18,321 | $60,349-69.6% | $74,184-75.3% | $62,881-70.9% |
| Participation rate | 94.3% | 72.7%+21.6pp | 76.6%+17.7pp | 69.3%+25.0pp |
| Annual return | 107.71% | 21.38%+86.3pp | 17.74%+90.0pp | 20.14%+87.6pp |
| Employer contribution / active EE | $1,990 | $1,680+18.4% | $2,370-16.0% | $2,281-12.8% |
| Participant deferral / active EE | $4,746 | $2,856+66.1% | $3,550+33.7% | $3,203+48.2% |
| Admin fee / account holder | $693 | $4,261-83.7% | $5,586-87.6% | $4,296-83.9% |