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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 | $23,421 | $105,284-77.8% | $150,734-84.5% | $94,015-75.1% |
| Participation rate | 96.2% | 71.7%+24.4pp | 78.4%+17.7pp | 70.8%+25.3pp |
| Annual return | 18.33% | 15.67%+2.7pp | 600.81%-582.5pp | 17.84%+0.5pp |
| Employer contribution / active EE | $9,615 | $3,599+167.2% | $4,918+95.5% | $2,790+244.6% |
| Participant deferral / active EE | $3,163 | $4,274-26.0% | $5,610-43.6% | $4,249-25.6% |
| Admin fee / account holder | $831 | $9,839-91.6% | $14,905-94.4% | $8,951-90.7% |