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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 | $10,818 | $106,864-89.9% | $147,318-92.7% | $82,637-86.9% |
| Participation rate | 88.4% | 75.5%+12.9pp | 82.1%+6.3pp | 68.1%+20.3pp |
| Annual return | 17.03% | 27.49%-10.5pp | 70.43%-53.4pp | 53.51%-36.5pp |
| Employer contribution / active EE | $991 | $3,417-71.0% | $4,593-78.4% | $2,552-61.2% |
| Participant deferral / active EE | $2,640 | $6,496-59.4% | $7,906-66.6% | $4,126-36.0% |
| Admin fee / account holder | $2,349 | $8,415-72.1% | $13,708-82.9% | $7,339-68.0% |