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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 | $20,012 | $103,393-80.6% | $87,103-77.0% | $152,909-86.9% |
| Participation rate | 93.3% | 79.4%+14.0pp | 76.9%+16.5pp | 82.5%+10.9pp |
| Annual return | 26.46% | 28.10%-1.6pp | 28.19%-1.7pp | 345.46%-319.0pp |
| Employer contribution / active EE | $1,553 | $3,221-51.8% | $2,521-38.4% | $4,764-67.4% |
| Participant deferral / active EE | $2,940 | $4,778-38.5% | $4,049-27.4% | $5,851-49.7% |
| Admin fee / account holder | $400 | $12,195-96.7% | $7,491-94.7% | $11,601-96.6% |