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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 | $16,251 | $78,670-79.3% | $109,173-85.1% | $85,847-81.1% |
| Participation rate | 97.4% | 68.3%+29.1pp | 75.9%+21.5pp | 69.3%+28.0pp |
| Annual return | 13.34% | 25.09%-11.8pp | 25.75%-12.4pp | 318.61%-305.3pp |
| Employer contribution / active EE | $3,551 | $2,734+29.9% | $3,723-4.6% | $2,565+38.4% |
| Participant deferral / active EE | $2,418 | $3,467-30.3% | $4,654-48.0% | $3,952-38.8% |
| Admin fee / account holder | $1,022 | $5,469-81.3% | $6,755-84.9% | $6,261-83.7% |