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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 | $20,457 | $81,504-74.9% | $102,437-80.0% | $80,959-74.7% |
| Participation rate | 97.1% | 66.9%+30.3pp | 74.5%+22.6pp | 67.7%+29.5pp |
| Annual return | 13.14% | 25.60%-12.5pp | 24.95%-11.8pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,064 | $3,104-33.5% | $3,871-46.7% | $2,757-25.1% |
| Participant deferral / active EE | $4,329 | $3,871+11.8% | $5,060-14.5% | $4,300+0.7% |
| Admin fee / account holder | $2,042 | $6,719-69.6% | $8,388-75.7% | $6,925-70.5% |