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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 | $6,011 | $184,014-96.7% | $161,149-96.3% | $138,895-95.7% |
| Participation rate | 70.6% | 82.1%-11.5pp | 78.8%-8.2pp | 79.9%-9.3pp |
| Annual return | 26.89% | 21.52%+5.4pp | 21.16%+5.7pp | 145.39%-118.5pp |
| Employer contribution / active EE | $0 | $5,055-100.0% | $4,360-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,252 | $6,909-67.4% | $6,153-63.4% | $6,396-64.8% |
| Admin fee / account holder | $550 | $18,027-97.0% | $15,194-96.4% | $12,562-95.6% |