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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 | $10,494 | $78,705-86.7% | $117,860-91.1% | $70,124-85.0% |
| Participation rate | 90.2% | 73.2%+17.0pp | 79.7%+10.5pp | 69.5%+20.7pp |
| Annual return | 22.00% | 23.30%-1.3pp | 335.10%-313.1pp | 73.14%-51.1pp |
| Employer contribution / active EE | $1,936 | $2,223-12.9% | $3,786-48.9% | $2,342-17.4% |
| Participant deferral / active EE | $2,012 | $3,297-39.0% | $4,482-55.1% | $3,332-39.6% |
| Admin fee / account holder | $660 | $5,065-87.0% | $8,021-91.8% | $4,645-85.8% |