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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 | $24,347 | $105,284-76.9% | $150,734-83.8% | $94,015-74.1% |
| Participation rate | 72.7% | 71.7%+1.0pp | 78.4%-5.7pp | 70.8%+1.9pp |
| Annual return | 19.19% | 15.67%+3.5pp | 600.81%-581.6pp | 17.84%+1.3pp |
| Employer contribution / active EE | $4,469 | $3,599+24.2% | $4,918-9.1% | $2,790+60.2% |
| Participant deferral / active EE | $2,784 | $4,274-34.8% | $5,610-50.4% | $4,249-34.5% |
| Admin fee / account holder | $450 | $9,839-95.4% | $14,905-97.0% | $8,951-95.0% |