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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 | $54,532 | $407,956-86.6% | $299,830-81.8% | $198,609-72.5% |
| Participation rate | 100.0% | 83.3%+16.7pp | 78.5%+21.5pp | 82.4%+17.6pp |
| Annual return | 19.72% | 6.66%+13.1pp | 10.58%+9.1pp | 202.70%-183.0pp |
| Employer contribution / active EE | $6,187 | $7,661-19.2% | $5,842+5.9% | $5,055+22.4% |
| Participant deferral / active EE | $9,259 | $8,628+7.3% | $7,038+31.6% | $6,977+32.7% |
| Admin fee / account holder | $784 | $73,031-98.9% | $50,982-98.5% | $19,030-95.9% |