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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 | $17,202 | $58,512-70.6% | $84,020-79.5% | $72,983-76.4% |
| Participation rate | 97.5% | 61.2%+36.2pp | 69.0%+28.5pp | 69.5%+28.0pp |
| Annual return | 23.36% | 28.93%-5.6pp | 71.31%-48.0pp | 81.01%-57.6pp |
| Employer contribution / active EE | $633 | $1,163-45.6% | $1,984-68.1% | $2,440-74.1% |
| Participant deferral / active EE | $3,388 | $2,394+41.5% | $3,239+4.6% | $3,608-6.1% |
| Admin fee / account holder | $909 | $4,569-80.1% | $6,101-85.1% | $5,124-82.3% |