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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 | $18,455 | $180,028-89.7% | $138,135-86.6% | $158,966-88.4% |
| Participation rate | 100.0% | 82.2%+17.8pp | 78.7%+21.3pp | 82.0%+18.0pp |
| Annual return | 20.31% | 21.68%-1.4pp | 20.51%-0.2pp | 302.95%-282.6pp |
| Employer contribution / active EE | $1,642 | $7,470-78.0% | $5,587-70.6% | $4,762-65.5% |
| Participant deferral / active EE | $10,522 | $7,717+36.3% | $6,431+63.6% | $5,983+75.9% |
| Admin fee / account holder | $8,472 | $17,912-52.7% | $11,856-28.5% | $11,250-24.7% |