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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 | $17,497 | $96,731-81.9% | $123,973-85.9% | $86,983-79.9% |
| Participation rate | 97.0% | 70.0%+27.0pp | 76.7%+20.3pp | 69.5%+27.4pp |
| Annual return | 22.71% | 17.33%+5.4pp | 388.13%-365.4pp | 25.83%-3.1pp |
| Employer contribution / active EE | $2,598 | $3,297-21.2% | $4,126-37.0% | $2,584+0.5% |
| Participant deferral / active EE | $4,314 | $4,152+3.9% | $5,247-17.8% | $4,194+2.9% |
| Admin fee / account holder | $468 | $8,722-94.6% | $11,799-96.0% | $7,856-94.0% |