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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 | $13,628 | $56,894-76.0% | $84,753-83.9% | $62,881-78.3% |
| Participation rate | 87.9% | 68.5%+19.3pp | 76.6%+11.3pp | 69.3%+18.6pp |
| Annual return | 14.42% | 6.30%+8.1pp | 22.78%-8.4pp | 20.14%-5.7pp |
| Employer contribution / active EE | $2,711 | $2,400+13.0% | $3,574-24.2% | $2,281+18.9% |
| Participant deferral / active EE | $5,299 | $2,709+95.6% | $3,712+42.8% | $3,203+65.4% |
| Admin fee / account holder | $687 | $3,581-80.8% | $5,333-87.1% | $4,296-84.0% |