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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 | $13,108 | $117,829-88.9% | $102,423-87.2% | $145,877-91.0% |
| Participation rate | 84.6% | 78.6%+6.0pp | 76.5%+8.1pp | 80.3%+4.3pp |
| Annual return | 18.67% | 31.83%-13.2pp | 29.42%-10.8pp | 551.28%-532.6pp |
| Employer contribution / active EE | $2,175 | $3,615-39.8% | $3,023-28.1% | $4,663-53.4% |
| Participant deferral / active EE | $5,905 | $5,732+3.0% | $5,054+16.8% | $6,691-11.7% |
| Admin fee / account holder | $2,016 | $13,335-84.9% | $9,455-78.7% | $13,402-85.0% |