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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 | $19,858 | $99,994-80.1% | $146,647-86.5% | $85,851-76.9% |
| Participation rate | 94.6% | 73.1%+21.5pp | 80.1%+14.5pp | 69.3%+25.3pp |
| Annual return | 21.96% | 18.93%+3.0pp | 22.75%-0.8pp | 318.63%-296.7pp |
| Employer contribution / active EE | $2,209 | $2,559-13.7% | $4,137-46.6% | $2,565-13.9% |
| Participant deferral / active EE | $4,025 | $4,006+0.5% | $5,506-26.9% | $3,952+1.8% |
| Admin fee / account holder | $656 | $7,703-91.5% | $10,281-93.6% | $6,261-89.5% |