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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 | $18,181 | $86,949-79.1% | $102,460-82.3% | $80,959-77.5% |
| Participation rate | 97.9% | 72.4%+25.5pp | 76.5%+21.4pp | 67.7%+30.2pp |
| Annual return | 14.27% | 18.89%-4.6pp | 29.47%-15.2pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,369 | $2,370-42.2% | $3,025-54.7% | $2,757-50.3% |
| Participant deferral / active EE | $3,191 | $4,121-22.6% | $5,056-36.9% | $4,300-25.8% |
| Admin fee / account holder | $820 | $8,048-89.8% | $9,460-91.3% | $6,925-88.2% |