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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 | $17,186 | $110,240-84.4% | $96,544-82.2% | $139,487-87.7% |
| Participation rate | 78.9% | 78.1%+0.8pp | 76.0%+3.0pp | 80.3%-1.4pp |
| Annual return | 22.06% | 26.41%-4.4pp | 25.88%-3.8pp | 373.84%-351.8pp |
| Employer contribution / active EE | $6,900 | $3,622+90.5% | $2,966+132.6% | $4,755+45.1% |
| Participant deferral / active EE | $2,712 | $5,549-51.1% | $4,851-44.1% | $6,713-59.6% |
| Admin fee / account holder | $795 | $11,602-93.2% | $8,254-90.4% | $11,407-93.0% |