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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 | $19,526 | $103,393-81.1% | $87,103-77.6% | $152,909-87.2% |
| Participation rate | 87.5% | 79.4%+8.1pp | 76.9%+10.6pp | 82.5%+5.0pp |
| Annual return | 24.18% | 28.10%-3.9pp | 28.19%-4.0pp | 345.46%-321.3pp |
| Employer contribution / active EE | $1,956 | $3,221-39.3% | $2,521-22.4% | $4,764-59.0% |
| Participant deferral / active EE | $2,280 | $4,778-52.3% | $4,049-43.7% | $5,851-61.0% |
| Admin fee / account holder | $935 | $12,195-92.3% | $7,491-87.5% | $11,601-91.9% |