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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 | $12,749 | $65,704-80.6% | $94,229-86.5% | $59,633-78.6% |
| Participation rate | 97.2% | 72.1%+25.1pp | 78.8%+18.4pp | 68.7%+28.5pp |
| Annual return | 11.03% | 5.22%+5.8pp | 10.68%+0.3pp | 2041.45%-2030.4pp |
| Employer contribution / active EE | $1,369 | $2,021-32.2% | $3,587-61.8% | $2,203-37.8% |
| Participant deferral / active EE | $2,874 | $3,143-8.5% | $4,320-33.5% | $3,192-9.9% |
| Admin fee / account holder | $2,009 | $4,265-52.9% | $6,269-68.0% | $4,297-53.2% |