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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 | $24,929 | $96,731-74.2% | $123,973-79.9% | $86,983-71.3% |
| Participation rate | 88.6% | 70.0%+18.6pp | 76.7%+12.0pp | 69.5%+19.1pp |
| Annual return | 24.07% | 17.33%+6.7pp | 388.13%-364.1pp | 25.83%-1.8pp |
| Employer contribution / active EE | $3,196 | $3,297-3.1% | $4,126-22.5% | $2,584+23.7% |
| Participant deferral / active EE | $4,822 | $4,152+16.1% | $5,247-8.1% | $4,194+15.0% |
| Admin fee / account holder | $1,756 | $8,722-79.9% | $11,799-85.1% | $7,856-77.7% |