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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 | $31,399 | $108,825-71.1% | $156,181-79.9% | $82,448-61.9% |
| Participation rate | 98.5% | 72.4%+26.1pp | 78.8%+19.7pp | 68.1%+30.4pp |
| Annual return | 19.16% | 20.59%-1.4pp | 64.87%-45.7pp | 41.64%-22.5pp |
| Employer contribution / active EE | $3,179 | $2,870+10.8% | $4,294-26.0% | $2,551+24.6% |
| Participant deferral / active EE | $7,160 | $4,577+56.4% | $6,132+16.8% | $4,139+73.0% |
| Admin fee / account holder | $1,519 | $9,341-83.7% | $14,586-89.6% | $7,234-79.0% |