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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 | $15,521 | $93,617-83.4% | $135,982-88.6% | $75,177-79.4% |
| Participation rate | 90.0% | 75.2%+14.8pp | 81.9%+8.1pp | 67.2%+22.8pp |
| Annual return | 41.85% | 30.89%+11.0pp | 68.32%-26.5pp | 160.75%-118.9pp |
| Employer contribution / active EE | $4,907 | $3,538+38.7% | $4,859+1.0% | $2,671+83.7% |
| Participant deferral / active EE | $7,574 | $6,406+18.2% | $7,760-2.4% | $4,126+83.6% |
| Admin fee / account holder | $2,793 | $6,980-60.0% | $10,767-74.1% | $5,651-50.6% |