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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 | $32,358 | $167,415-80.7% | $140,514-77.0% | $198,609-83.7% |
| Participation rate | 87.5% | 80.9%+6.6pp | 77.8%+9.7pp | 82.4%+5.1pp |
| Annual return | 14.64% | 13.85%+0.8pp | 14.36%+0.3pp | 202.70%-188.1pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $3,595 | $5,579-35.6% | $4,919-26.9% | $6,977-48.5% |
| Admin fee / account holder | $351 | $16,730-97.9% | $13,697-97.4% | $19,030-98.2% |