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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 | $4,735 | $73,978-93.6% | $96,515-95.1% | $75,173-93.7% |
| Participation rate | 96.3% | 66.4%+29.9pp | 74.3%+21.9pp | 67.2%+29.1pp |
| Annual return | 35.01% | 26.72%+8.3pp | 35.73%-0.7pp | 160.72%-125.7pp |
| Employer contribution / active EE | $932 | $2,931-68.2% | $3,740-75.1% | $2,671-65.1% |
| Participant deferral / active EE | $1,570 | $3,660-57.1% | $4,880-67.8% | $4,126-61.9% |
| Admin fee / account holder | $310 | $5,219-94.1% | $6,735-95.4% | $5,651-94.5% |