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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 | $13,150 | $56,894-76.9% | $84,753-84.5% | $62,881-79.1% |
| Participation rate | 92.5% | 68.5%+24.0pp | 76.6%+15.9pp | 69.3%+23.2pp |
| Annual return | 11.31% | 6.30%+5.0pp | 22.78%-11.5pp | 20.14%-8.8pp |
| Employer contribution / active EE | $2,175 | $2,400-9.4% | $3,574-39.1% | $2,281-4.6% |
| Participant deferral / active EE | $3,874 | $2,709+43.0% | $3,712+4.4% | $3,203+21.0% |
| Admin fee / account holder | $2,215 | $3,581-38.1% | $5,333-58.5% | $4,296-48.4% |