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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 | $16,783 | $135,956-87.7% | $123,894-86.5% | $273,972-93.9% |
| Participation rate | 87.5% | 84.1%+3.4pp | 81.4%+6.1pp | 83.0%+4.5pp |
| Annual return | 27.50% | 56.63%-29.1pp | 47.52%-20.0pp | 41.46%-14.0pp |
| Employer contribution / active EE | $2,911 | $5,170-43.7% | $4,617-37.0% | $4,869-40.2% |
| Participant deferral / active EE | $5,804 | $6,343-8.5% | $5,984-3.0% | $5,287+9.8% |
| Admin fee / account holder | $559 | $9,817-94.3% | $8,357-93.3% | $10,133-94.5% |