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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 | $15,918 | $108,825-85.4% | $156,181-89.8% | $82,448-80.7% |
| Participation rate | 90.1% | 72.4%+17.8pp | 78.8%+11.3pp | 68.1%+22.1pp |
| Annual return | 20.77% | 20.59%+0.2pp | 64.87%-44.1pp | 41.64%-20.9pp |
| Employer contribution / active EE | $1,875 | $2,870-34.7% | $4,294-56.3% | $2,551-26.5% |
| Participant deferral / active EE | $2,978 | $4,577-34.9% | $6,132-51.4% | $4,139-28.1% |
| Admin fee / account holder | $607 | $9,341-93.5% | $14,586-95.8% | $7,234-91.6% |