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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 | $17,269 | $110,212-84.3% | $96,534-82.1% | $139,466-87.6% |
| Participation rate | 81.8% | 78.1%+3.7pp | 76.0%+5.8pp | 80.3%+1.5pp |
| Annual return | 47.98% | 26.42%+21.6pp | 25.88%+22.1pp | 373.66%-325.7pp |
| Employer contribution / active EE | $1,618 | $3,620-55.3% | $2,965-45.4% | $4,754-66.0% |
| Participant deferral / active EE | $2,104 | $5,547-62.1% | $4,851-56.6% | $6,712-68.7% |
| Admin fee / account holder | $1,588 | $11,599-86.3% | $8,253-80.8% | $11,409-86.1% |