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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 | $17,367 | $71,230-75.6% | $93,727-81.5% | $80,959-78.5% |
| Participation rate | 97.9% | 60.4%+37.5pp | 68.7%+29.2pp | 67.7%+30.2pp |
| Annual return | 36.83% | 11.26%+25.6pp | 133.83%-97.0pp | 35.67%+1.2pp |
| Employer contribution / active EE | $2,779 | $1,565+77.5% | $2,421+14.8% | $2,757+0.8% |
| Participant deferral / active EE | $6,715 | $4,037+66.3% | $4,417+52.0% | $4,300+56.2% |
| Admin fee / account holder | $591 | $6,961-91.5% | $8,292-92.9% | $6,925-91.5% |