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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 | $19,225 | $88,672-78.3% | $105,223-81.7% | $82,448-76.7% |
| Participation rate | 96.7% | 67.9%+28.7pp | 75.0%+21.6pp | 68.1%+28.6pp |
| Annual return | 23.53% | 30.86%-7.3pp | 180.65%-157.1pp | 41.64%-18.1pp |
| Employer contribution / active EE | $3,148 | $3,048+3.3% | $3,689-14.7% | $2,551+23.4% |
| Participant deferral / active EE | $7,078 | $4,036+75.4% | $5,072+39.6% | $4,139+71.0% |
| Admin fee / account holder | $1,942 | $7,146-72.8% | $8,859-78.1% | $7,234-73.2% |