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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 | $36,964 | $125,797-70.6% | $170,043-78.3% | $75,173-50.8% |
| Participation rate | 94.7% | 83.6%+11.1pp | 87.0%+7.7pp | 67.2%+27.5pp |
| Annual return | 27.59% | 27.20%+0.4pp | 53.40%-25.8pp | 160.72%-133.1pp |
| Employer contribution / active EE | $1,998 | $4,616-56.7% | $6,790-70.6% | $2,671-25.2% |
| Participant deferral / active EE | $11,280 | $6,838+65.0% | $10,410+8.4% | $4,126+173.4% |
| Admin fee / account holder | $1,229 | $8,177-85.0% | $12,824-90.4% | $5,651-78.3% |