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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 | $25,114 | $78,707-68.1% | $117,861-78.7% | $70,126-64.2% |
| Participation rate | 84.0% | 73.2%+10.8pp | 79.7%+4.3pp | 69.5%+14.5pp |
| Annual return | 16.27% | 23.30%-7.0pp | 335.11%-318.8pp | 73.15%-56.9pp |
| Employer contribution / active EE | $2,087 | $2,223-6.2% | $3,786-44.9% | $2,343-10.9% |
| Participant deferral / active EE | $2,981 | $3,297-9.6% | $4,482-33.5% | $3,332-10.5% |
| Admin fee / account holder | $330 | $5,066-93.5% | $8,021-95.9% | $4,645-92.9% |