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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 | $16,116 | $108,825-85.2% | $156,181-89.7% | $82,448-80.5% |
| Participation rate | 88.1% | 72.4%+15.7pp | 78.8%+9.3pp | 68.1%+20.0pp |
| Annual return | 19.62% | 20.59%-1.0pp | 64.87%-45.3pp | 41.64%-22.0pp |
| Employer contribution / active EE | $1,468 | $2,870-48.8% | $4,294-65.8% | $2,551-42.4% |
| Participant deferral / active EE | $3,222 | $4,577-29.6% | $6,132-47.5% | $4,139-22.2% |
| Admin fee / account holder | $1,121 | $9,341-88.0% | $14,586-92.3% | $7,234-84.5% |