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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 | $21,843 | $136,860-84.0% | $120,344-81.8% | $154,746-85.9% |
| Participation rate | 94.4% | 79.9%+14.6pp | 76.7%+17.7pp | 80.7%+13.7pp |
| Annual return | 21.21% | 21.38%-0.2pp | 20.30%+0.9pp | 172.34%-151.1pp |
| Employer contribution / active EE | $3,637 | $3,533+2.9% | $3,020+20.4% | $4,379-16.9% |
| Participant deferral / active EE | $6,129 | $5,793+5.8% | $5,135+19.4% | $6,730-8.9% |
| Admin fee / account holder | $1,168 | $15,393-92.4% | $12,742-90.8% | $14,365-91.9% |