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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 | $24,972 | $94,436-73.6% | $115,599-78.4% | $82,637-69.8% |
| Participation rate | 90.0% | 70.4%+19.6pp | 74.3%+15.7pp | 68.1%+21.9pp |
| Annual return | 19.21% | 18.37%+0.8pp | 111.10%-91.9pp | 53.51%-34.3pp |
| Employer contribution / active EE | $1,303 | $2,324-43.9% | $2,955-55.9% | $2,552-49.0% |
| Participant deferral / active EE | $3,663 | $3,955-7.4% | $4,889-25.1% | $4,126-11.2% |
| Admin fee / account holder | $774 | $10,328-92.5% | $12,841-94.0% | $7,339-89.4% |