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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 | $5,458 | $69,273-92.1% | $90,796-94.0% | $82,637-93.4% |
| Participation rate | 93.5% | 64.0%+29.5pp | 69.5%+24.1pp | 68.1%+25.5pp |
| Annual return | 16.05% | 18.37%-2.3pp | 19.29%-3.2pp | 53.51%-37.5pp |
| Employer contribution / active EE | $1,014 | $1,865-45.6% | $2,294-55.8% | $2,552-60.3% |
| Participant deferral / active EE | $1,208 | $3,047-60.4% | $3,822-68.4% | $4,126-70.7% |
| Admin fee / account holder | $2,490 | $5,511-54.8% | $7,024-64.6% | $7,339-66.1% |