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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 | $19,501 | $99,875-80.5% | $146,866-86.7% | $86,983-77.6% |
| Participation rate | 95.1% | 75.8%+19.3pp | 82.5%+12.6pp | 69.5%+25.6pp |
| Annual return | 17.95% | 28.10%-10.2pp | 102.85%-84.9pp | 25.83%-7.9pp |
| Employer contribution / active EE | $1,515 | $3,224-53.0% | $4,425-65.8% | $2,584-41.4% |
| Participant deferral / active EE | $3,505 | $6,322-44.6% | $7,759-54.8% | $4,194-16.4% |
| Admin fee / account holder | $338 | $7,838-95.7% | $13,620-97.5% | $7,856-95.7% |