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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 | $14,013 | $73,978-81.1% | $96,515-85.5% | $75,173-81.4% |
| Participation rate | 80.6% | 66.4%+14.2pp | 74.3%+6.3pp | 67.2%+13.4pp |
| Annual return | 23.95% | 26.72%-2.8pp | 35.73%-11.8pp | 160.72%-136.8pp |
| Employer contribution / active EE | $1,497 | $2,931-48.9% | $3,740-60.0% | $2,671-44.0% |
| Participant deferral / active EE | $1,485 | $3,660-59.4% | $4,880-69.6% | $4,126-64.0% |
| Admin fee / account holder | $613 | $5,219-88.2% | $6,735-90.9% | $5,651-89.1% |