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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 | $5,368 | $72,273-92.6% | $101,275-94.7% | $79,856-93.3% |
| Participation rate | 97.4% | 68.5%+28.9pp | 75.8%+21.6pp | 69.6%+27.7pp |
| Annual return | 15.66% | 22.30%-6.6pp | 46.48%-30.8pp | 31.71%-16.1pp |
| Employer contribution / active EE | $1,625 | $2,691-39.6% | $3,660-55.6% | $2,471-34.2% |
| Participant deferral / active EE | $3,125 | $3,282-4.8% | $4,371-28.5% | $3,741-16.4% |
| Admin fee / account holder | $653 | $4,401-85.2% | $5,948-89.0% | $5,306-87.7% |