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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 | $18,290 | $71,230-74.3% | $93,727-80.5% | $80,959-77.4% |
| Participation rate | 88.7% | 60.4%+28.3pp | 68.7%+20.0pp | 67.7%+21.0pp |
| Annual return | 28.39% | 11.26%+17.1pp | 133.83%-105.4pp | 35.67%-7.3pp |
| Employer contribution / active EE | $2,957 | $1,565+88.9% | $2,421+22.1% | $2,757+7.2% |
| Participant deferral / active EE | $8,202 | $4,037+103.2% | $4,417+85.7% | $4,300+90.7% |
| Admin fee / account holder | $1,960 | $6,961-71.8% | $8,292-76.4% | $6,925-71.7% |