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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 | $23,078 | $91,559-74.8% | $133,978-82.8% | $79,856-71.1% |
| Participation rate | 77.2% | 73.3%+3.8pp | 79.8%-2.7pp | 69.6%+7.6pp |
| Annual return | 35.21% | 61.85%-26.6pp | 45.10%-9.9pp | 31.71%+3.5pp |
| Employer contribution / active EE | $2,462 | $2,384+3.3% | $3,919-37.2% | $2,471-0.4% |
| Participant deferral / active EE | $5,356 | $3,734+43.4% | $5,047+6.1% | $3,741+43.2% |
| Admin fee / account holder | $959 | $6,321-84.8% | $8,930-89.3% | $5,306-81.9% |