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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 | $15,498 | $81,457-81.0% | $103,378-85.0% | $80,911-80.8% |
| Participation rate | 94.3% | 66.8%+27.4pp | 74.5%+19.8pp | 67.6%+26.6pp |
| Annual return | 17.77% | 25.58%-7.8pp | 24.91%-7.1pp | 35.63%-17.9pp |
| Employer contribution / active EE | $1,915 | $3,107-38.4% | $3,870-50.5% | $2,756-30.5% |
| Participant deferral / active EE | $3,335 | $3,871-13.8% | $5,058-34.1% | $4,297-22.4% |
| Admin fee / account holder | $1,408 | $6,717-79.0% | $8,401-83.2% | $6,935-79.7% |