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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 | $32,327 | $171,492-81.1% | $150,734-78.6% | $198,609-83.7% |
| Participation rate | 83.3% | 81.4%+1.9pp | 78.4%+4.9pp | 82.4%+1.0pp |
| Annual return | 13.16% | 804.70%-791.5pp | 600.81%-587.6pp | 202.70%-189.5pp |
| Employer contribution / active EE | $1,548 | $5,470-71.7% | $4,918-68.5% | $5,055-69.4% |
| Participant deferral / active EE | $7,160 | $6,259+14.4% | $5,610+27.6% | $6,977+2.6% |
| Admin fee / account holder | $1,783 | $17,628-89.9% | $14,905-88.0% | $19,030-90.6% |