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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 | $71,197-75.6% | $93,669-81.5% | $80,925-78.5% |
| Participation rate | 97.9% | 60.4%+37.5pp | 68.7%+29.2pp | 67.7%+30.3pp |
| Annual return | 36.83% | 11.27%+25.6pp | 133.59%-96.8pp | 35.65%+1.2pp |
| Employer contribution / active EE | $2,779 | $1,565+77.6% | $2,424+14.7% | $2,756+0.8% |
| Participant deferral / active EE | $6,715 | $4,036+66.4% | $4,416+52.1% | $4,299+56.2% |
| Admin fee / account holder | $591 | $6,959-91.5% | $8,291-92.9% | $6,940-91.5% |