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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 | $20,129 | $80,985-75.1% | $96,576-79.2% | $75,181-73.2% |
| Participation rate | 71.8% | 71.8%0pp | 76.0%-4.2pp | 67.2%+4.6pp |
| Annual return | 34.93% | 27.05%+7.9pp | 25.87%+9.1pp | 160.69%-125.8pp |
| Employer contribution / active EE | $2,846 | $2,282+24.7% | $2,965-4.0% | $2,671+6.6% |
| Participant deferral / active EE | $6,294 | $3,929+60.2% | $4,851+29.7% | $4,126+52.5% |
| Admin fee / account holder | $1,693 | $6,719-74.8% | $8,253-79.5% | $5,650-70.0% |