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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 | $15,450 | $87,106-82.3% | $105,607-85.4% | $80,935-80.9% |
| Participation rate | 96.0% | 70.4%+25.6pp | 75.3%+20.7pp | 67.7%+28.3pp |
| Annual return | 20.09% | 17.01%+3.1pp | 116.11%-96.0pp | 35.66%-15.6pp |
| Employer contribution / active EE | $3,938 | $2,396+64.3% | $3,167+24.3% | $2,757+42.8% |
| Participant deferral / active EE | $5,022 | $3,986+26.0% | $5,011+0.2% | $4,299+16.8% |
| Admin fee / account holder | $615 | $8,447-92.7% | $10,958-94.4% | $6,924-91.1% |