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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 | $16,461 | $78,670-79.1% | $109,173-84.9% | $85,847-80.8% |
| Participation rate | 93.8% | 68.3%+25.5pp | 75.9%+17.9pp | 69.3%+24.4pp |
| Annual return | 12.79% | 25.09%-12.3pp | 25.75%-13.0pp | 318.61%-305.8pp |
| Employer contribution / active EE | $660 | $2,734-75.9% | $3,723-82.3% | $2,565-74.3% |
| Participant deferral / active EE | $4,022 | $3,467+16.0% | $4,654-13.6% | $3,952+1.8% |
| Admin fee / account holder | $765 | $5,469-86.0% | $6,755-88.7% | $6,261-87.8% |