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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 | $7,958 | $45,343-82.4% | $150,298-94.7% | $67,986-88.3% |
| Participation rate | 94.7% | 51.9%+42.9pp | 77.8%+17.0pp | 57.2%+37.5pp |
| Annual return | 25.93% | 33.28%-7.3pp | 62.79%-36.9pp | 31.67%-5.7pp |
| Employer contribution / active EE | $1,366 | $1,462-6.6% | $4,154-67.1% | $2,019-32.3% |
| Participant deferral / active EE | $2,572 | $2,055+25.2% | $5,453-52.8% | $3,358-23.4% |
| Admin fee / account holder | $920 | $2,250-59.1% | $14,116-93.5% | $3,203-71.3% |