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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 | $18,210 | $81,487-77.7% | $102,412-82.2% | $80,935-77.5% |
| Participation rate | 96.7% | 66.8%+29.8pp | 74.5%+22.2pp | 67.7%+29.0pp |
| Annual return | 14.60% | 25.60%-11.0pp | 24.94%-10.3pp | 35.66%-21.1pp |
| Employer contribution / active EE | $7,597 | $3,103+144.8% | $3,870+96.3% | $2,757+175.6% |
| Participant deferral / active EE | $2,501 | $3,871-35.4% | $5,060-50.6% | $4,299-41.8% |
| Admin fee / account holder | $380 | $6,717-94.3% | $8,388-95.5% | $6,924-94.5% |