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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 | $22,582 | $171,492-86.8% | $150,734-85.0% | $198,609-88.6% |
| Participation rate | 91.7% | 81.4%+10.3pp | 78.4%+13.2pp | 82.4%+9.3pp |
| Annual return | 15.01% | 804.70%-789.7pp | 600.81%-585.8pp | 202.70%-187.7pp |
| Employer contribution / active EE | $2,590 | $5,470-52.7% | $4,918-47.3% | $5,055-48.8% |
| Participant deferral / active EE | $3,946 | $6,259-37.0% | $5,610-29.7% | $6,977-43.4% |
| Admin fee / account holder | $596 | $17,628-96.6% | $14,905-96.0% | $19,030-96.9% |