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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 | $13,615 | $88,672-84.6% | $105,223-87.1% | $82,448-83.5% |
| Participation rate | 93.3% | 67.9%+25.4pp | 75.0%+18.3pp | 68.1%+25.3pp |
| Annual return | 23.74% | 30.86%-7.1pp | 180.65%-156.9pp | 41.64%-17.9pp |
| Employer contribution / active EE | $2,277 | $3,048-25.3% | $3,689-38.3% | $2,551-10.7% |
| Participant deferral / active EE | $4,179 | $4,036+3.5% | $5,072-17.6% | $4,139+1.0% |
| Admin fee / account holder | $1,175 | $7,146-83.6% | $8,859-86.7% | $7,234-83.8% |