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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 | $12,861 | $154,228-91.7% | $145,433-91.2% | $137,256-90.6% |
| Participation rate | 85.7% | 83.8%+1.9pp | 82.1%+3.6pp | 80.0%+5.8pp |
| Annual return | 21.91% | 74.59%-52.7pp | 66.58%-44.7pp | 220.34%-198.4pp |
| Employer contribution / active EE | $2,162 | $4,804-55.0% | $4,554-52.5% | $4,156-48.0% |
| Participant deferral / active EE | $3,436 | $8,216-58.2% | $7,897-56.5% | $6,407-46.4% |
| Admin fee / account holder | $1,039 | $14,344-92.8% | $13,129-92.1% | $12,270-91.5% |