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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 | $22,539 | $162,785-86.2% | $133,959-83.2% | $158,950-85.8% |
| Participation rate | 91.3% | 83.2%+8.1pp | 79.8%+11.5pp | 82.0%+9.3pp |
| Annual return | 17.73% | 41.94%-24.2pp | 45.09%-27.4pp | 302.91%-285.2pp |
| Employer contribution / active EE | $2,105 | $4,975-57.7% | $3,919-46.3% | $4,762-55.8% |
| Participant deferral / active EE | $3,337 | $5,910-43.5% | $5,047-33.9% | $5,983-44.2% |
| Admin fee / account holder | $459 | $11,738-96.1% | $8,928-94.9% | $11,248-95.9% |