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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 | $18,750 | $101,795-81.6% | $165,100-88.6% | $80,959-76.8% |
| Participation rate | 93.5% | 71.8%+21.7pp | 78.6%+14.9pp | 67.7%+25.9pp |
| Annual return | 11.35% | 16.73%-5.4pp | 70.21%-58.9pp | 35.67%-24.3pp |
| Employer contribution / active EE | $2,603 | $2,954-11.9% | $4,348-40.1% | $2,757-5.6% |
| Participant deferral / active EE | $4,711 | $4,476+5.3% | $6,035-21.9% | $4,300+9.6% |
| Admin fee / account holder | $4,526 | $8,221-44.9% | $12,696-64.4% | $6,925-34.6% |