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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 | $5,148 | $99,345-94.8% | $84,753-93.9% | $273,972-98.1% |
| Participation rate | 90.5% | 80.7%+9.8pp | 76.6%+13.9pp | 83.0%+7.5pp |
| Annual return | 33.12% | 22.93%+10.2pp | 22.78%+10.3pp | 41.46%-8.3pp |
| Employer contribution / active EE | $1,942 | $4,214-53.9% | $3,574-45.7% | $4,869-60.1% |
| Participant deferral / active EE | $3,595 | $4,270-15.8% | $3,712-3.1% | $5,287-32.0% |
| Admin fee / account holder | $310 | $6,645-95.3% | $5,333-94.2% | $10,133-96.9% |