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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 | $12,547 | $78,520-84.0% | $96,576-87.0% | $82,448-84.8% |
| Participation rate | 90.0% | 77.7%+12.3pp | 81.4%+8.6pp | 68.1%+21.9pp |
| Annual return | 56.24% | 41.30%+14.9pp | 38.47%+17.8pp | 41.64%+14.6pp |
| Employer contribution / active EE | $2,251 | $2,630-14.4% | $3,553-36.7% | $2,551-11.8% |
| Participant deferral / active EE | $7,242 | $6,754+7.2% | $7,956-9.0% | $4,139+75.0% |
| Admin fee / account holder | $831 | $13,455-93.8% | $11,381-92.7% | $7,234-88.5% |