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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 | $11,470 | $63,845-82.0% | $81,370-85.9% | $80,959-85.8% |
| Participation rate | 96.4% | 63.9%+32.5pp | 69.5%+26.9pp | 67.7%+28.8pp |
| Annual return | 11.14% | 16.37%-5.2pp | 24.85%-13.7pp | 35.67%-24.5pp |
| Employer contribution / active EE | $824 | $1,980-58.4% | $2,464-66.5% | $2,757-70.1% |
| Participant deferral / active EE | $2,393 | $3,093-22.6% | $3,885-38.4% | $4,300-44.3% |
| Admin fee / account holder | $419 | $5,688-92.6% | $5,749-92.7% | $6,925-94.0% |