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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 | $18,318 | $89,259-79.5% | $107,187-82.9% | $82,637-77.8% |
| Participation rate | 82.9% | 67.9%+14.9pp | 75.0%+7.8pp | 68.1%+14.8pp |
| Annual return | 23.31% | 21.02%+2.3pp | 204.55%-181.2pp | 53.51%-30.2pp |
| Employer contribution / active EE | $3,461 | $3,080+12.4% | $3,782-8.5% | $2,552+35.6% |
| Participant deferral / active EE | $4,794 | $4,037+18.7% | $5,096-5.9% | $4,126+16.2% |
| Admin fee / account holder | $2,605 | $7,381-64.7% | $9,162-71.6% | $7,339-64.5% |