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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 | $11,238 | $81,487-86.2% | $102,412-89.0% | $80,935-86.1% |
| Participation rate | 89.6% | 66.8%+22.7pp | 74.5%+15.1pp | 67.7%+21.9pp |
| Annual return | 14.52% | 25.60%-11.1pp | 24.94%-10.4pp | 35.66%-21.1pp |
| Employer contribution / active EE | $1,709 | $3,103-44.9% | $3,870-55.8% | $2,757-38.0% |
| Participant deferral / active EE | $3,360 | $3,871-13.2% | $5,060-33.6% | $4,299-21.8% |
| Admin fee / account holder | $466 | $6,717-93.1% | $8,388-94.4% | $6,924-93.3% |