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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 | $14,774 | $51,708-71.4% | $106,619-86.1% | $62,881-76.5% |
| Participation rate | 97.1% | 66.9%+30.2pp | 78.0%+19.1pp | 69.3%+27.8pp |
| Annual return | 25.11% | 4.69%+20.4pp | 9.42%+15.7pp | 20.14%+5.0pp |
| Employer contribution / active EE | $5,341 | $1,764+202.8% | $3,947+35.3% | $2,281+134.1% |
| Participant deferral / active EE | $3,301 | $2,315+42.6% | $3,930-16.0% | $3,203+3.1% |
| Admin fee / account holder | $402 | $3,349-88.0% | $6,418-93.7% | $4,296-90.6% |