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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 | $4,888 | $86,938-94.4% | $102,423-95.2% | $80,925-94.0% |
| Participation rate | 96.8% | 72.4%+24.4pp | 76.5%+20.3pp | 67.7%+29.1pp |
| Annual return | 11.30% | 18.89%-7.6pp | 29.42%-18.1pp | 35.65%-24.3pp |
| Employer contribution / active EE | $1,362 | $2,369-42.5% | $3,023-54.9% | $2,756-50.6% |
| Participant deferral / active EE | $2,260 | $4,120-45.1% | $5,054-55.3% | $4,299-47.4% |
| Admin fee / account holder | $420 | $8,053-94.8% | $9,455-95.6% | $6,940-94.0% |