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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 | $15,479 | $73,978-79.1% | $96,515-84.0% | $75,173-79.4% |
| Participation rate | 97.0% | 66.4%+30.5pp | 74.3%+22.6pp | 67.2%+29.8pp |
| Annual return | 15.93% | 26.72%-10.8pp | 35.73%-19.8pp | 160.72%-144.8pp |
| Employer contribution / active EE | $2,331 | $2,931-20.4% | $3,740-37.7% | $2,671-12.7% |
| Participant deferral / active EE | $1,545 | $3,660-57.8% | $4,880-68.3% | $4,126-62.6% |
| Admin fee / account holder | $1,504 | $5,219-71.2% | $6,735-77.7% | $5,651-73.4% |