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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 | $17,715 | $72,273-75.5% | $101,275-82.5% | $79,856-77.8% |
| Participation rate | 94.0% | 68.5%+25.5pp | 75.8%+18.2pp | 69.6%+24.4pp |
| Annual return | 19.07% | 22.30%-3.2pp | 46.48%-27.4pp | 31.71%-12.6pp |
| Employer contribution / active EE | $2,616 | $2,691-2.8% | $3,660-28.5% | $2,471+5.9% |
| Participant deferral / active EE | $5,151 | $3,282+57.0% | $4,371+17.8% | $3,741+37.7% |
| Admin fee / account holder | $1,323 | $4,401-69.9% | $5,948-77.8% | $5,306-75.1% |