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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 | $14,054 | $63,082-77.7% | $81,716-82.8% | $79,852-82.4% |
| Participation rate | 97.8% | 67.5%+30.2pp | 72.0%+25.8pp | 69.6%+28.1pp |
| Annual return | 18.47% | 22.66%-4.2pp | 29.49%-11.0pp | 31.72%-13.3pp |
| Employer contribution / active EE | $2,764 | $1,795+53.9% | $4,310-35.9% | $2,471+11.8% |
| Participant deferral / active EE | $2,826 | $2,780+1.6% | $7,108-60.2% | $3,740-24.5% |
| Admin fee / account holder | $358 | $4,428-91.9% | $5,159-93.1% | $5,306-93.3% |