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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 | $20,914 | $212,386-90.2% | $199,883-89.5% | $138,895-84.9% |
| Participation rate | 87.5% | 87.4%+0.1pp | 86.8%+0.7pp | 79.9%+7.6pp |
| Annual return | 29.15% | 47.75%-18.6pp | 43.81%-14.7pp | 145.39%-116.2pp |
| Employer contribution / active EE | $2,932 | $6,625-55.7% | $6,261-53.2% | $4,194-30.1% |
| Participant deferral / active EE | $7,447 | $9,617-22.6% | $9,138-18.5% | $6,396+16.4% |
| Admin fee / account holder | $1,553 | $18,233-91.5% | $17,268-91.0% | $12,562-87.6% |