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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 | $9,586 | $81,487-88.2% | $102,412-90.6% | $80,935-88.2% |
| Participation rate | 92.5% | 66.8%+25.7pp | 74.5%+18.0pp | 67.7%+24.8pp |
| Annual return | 12.93% | 25.60%-12.7pp | 24.94%-12.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,364 | $3,103-56.0% | $3,870-64.7% | $2,757-50.5% |
| Participant deferral / active EE | $3,311 | $3,871-14.4% | $5,060-34.6% | $4,299-23.0% |
| Admin fee / account holder | $976 | $6,717-85.5% | $8,388-88.4% | $6,924-85.9% |