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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 | $93,345-74.9% | $119,126-80.3% | $87,485-73.2% |
| Participation rate | 96.2% | 68.7%+27.4pp | 75.8%+20.4pp | 68.9%+27.2pp |
| Annual return | 18.33% | 19.08%-0.7pp | 282.11%-263.8pp | 26.06%-7.7pp |
| Employer contribution / active EE | $9,615 | $3,172+203.2% | $4,034+138.4% | $2,596+270.4% |
| Participant deferral / active EE | $3,163 | $4,099-22.8% | $5,318-40.5% | $4,274-26.0% |
| Admin fee / account holder | $831 | $8,039-89.7% | $10,693-92.2% | $7,775-89.3% |