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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 | $20,808 | $228,395-90.9% | $185,861-88.8% | $158,982-86.9% |
| Participation rate | 75.0% | 82.3%-7.3pp | 78.0%-3.0pp | 82.0%-7.0pp |
| Annual return | 13.78% | 40.82%-27.0pp | 35.96%-22.2pp | 302.99%-289.2pp |
| Employer contribution / active EE | $2,936 | $4,968-40.9% | $4,088-28.2% | $4,763-38.4% |
| Participant deferral / active EE | $1,819 | $6,417-71.7% | $5,634-67.7% | $5,983-69.6% |
| Admin fee / account holder | $753 | $11,869-93.7% | $9,503-92.1% | $11,252-93.3% |