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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 | $15,555 | $81,476-80.9% | $102,383-84.8% | $80,925-80.8% |
| Participation rate | 91.9% | 66.8%+25.0pp | 74.5%+17.4pp | 67.7%+24.2pp |
| Annual return | 14.94% | 25.59%-10.7pp | 24.94%-10.0pp | 35.65%-20.7pp |
| Employer contribution / active EE | $2,199 | $3,105-29.2% | $3,870-43.2% | $2,756-20.2% |
| Participant deferral / active EE | $2,682 | $3,871-30.7% | $5,060-47.0% | $4,299-37.6% |
| Admin fee / account holder | $1,421 | $6,717-78.8% | $8,391-83.1% | $6,940-79.5% |