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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 | $14,330 | $93,617-84.7% | $135,982-89.5% | $75,177-80.9% |
| Participation rate | 88.9% | 75.2%+13.7pp | 81.9%+7.0pp | 67.2%+21.7pp |
| Annual return | 19.24% | 30.89%-11.6pp | 68.32%-49.1pp | 160.75%-141.5pp |
| Employer contribution / active EE | $2,628 | $3,538-25.7% | $4,859-45.9% | $2,671-1.6% |
| Participant deferral / active EE | $5,632 | $6,406-12.1% | $7,760-27.4% | $4,126+36.5% |
| Admin fee / account holder | $1,863 | $6,980-73.3% | $10,767-82.7% | $5,651-67.0% |