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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 | $14,153 | $99,345-85.8% | $84,753-83.3% | $273,972-94.8% |
| Participation rate | 90.9% | 80.7%+10.2pp | 76.6%+14.3pp | 83.0%+7.9pp |
| Annual return | 7.16% | 22.93%-15.8pp | 22.78%-15.6pp | 41.46%-34.3pp |
| Employer contribution / active EE | $3,567 | $4,214-15.3% | $3,574-0.2% | $4,869-26.7% |
| Participant deferral / active EE | $3,144 | $4,270-26.4% | $3,712-15.3% | $5,287-40.5% |
| Admin fee / account holder | $848 | $6,645-87.2% | $5,333-84.1% | $10,133-91.6% |