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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 | $21,105 | $106,749-80.2% | $145,433-85.5% | $82,448-74.4% |
| Participation rate | 80.0% | 75.6%+4.4pp | 82.1%-2.1pp | 68.1%+11.9pp |
| Annual return | 77.98% | 27.59%+50.4pp | 66.58%+11.4pp | 41.64%+36.3pp |
| Employer contribution / active EE | $2,672 | $3,444-22.4% | $4,554-41.3% | $2,551+4.7% |
| Participant deferral / active EE | $5,432 | $6,519-16.7% | $7,897-31.2% | $4,139+31.2% |
| Admin fee / account holder | $1,676 | $8,390-80.0% | $13,129-87.2% | $7,234-76.8% |