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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 | $10,022 | $135,956-92.6% | $123,894-91.9% | $273,972-96.3% |
| Participation rate | 91.7% | 84.1%+7.6pp | 81.4%+10.3pp | 83.0%+8.7pp |
| Annual return | 17.85% | 56.63%-38.8pp | 47.52%-29.7pp | 41.46%-23.6pp |
| Employer contribution / active EE | $2,973 | $5,170-42.5% | $4,617-35.6% | $4,869-38.9% |
| Participant deferral / active EE | $4,901 | $6,343-22.7% | $5,984-18.1% | $5,287-7.3% |
| Admin fee / account holder | $387 | $9,817-96.1% | $8,357-95.4% | $10,133-96.2% |