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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 | $24,995 | $201,344-87.6% | $184,243-86.4% | $145,877-82.9% |
| Participation rate | 94.1% | 87.5%+6.6pp | 86.8%+7.3pp | 80.3%+13.8pp |
| Annual return | 13.95% | 29.01%-15.1pp | 28.82%-14.9pp | 551.28%-537.3pp |
| Employer contribution / active EE | $3,120 | $7,022-55.6% | $6,427-51.5% | $4,663-33.1% |
| Participant deferral / active EE | $5,144 | $9,807-47.5% | $9,132-43.7% | $6,691-23.1% |
| Admin fee / account holder | $1,214 | $16,382-92.6% | $13,914-91.3% | $13,402-90.9% |