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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 | $9,831 | $99,633-90.1% | $183,328-94.6% | $82,448-88.1% |
| Participation rate | 91.5% | 70.8%+20.8pp | 77.3%+14.2pp | 68.1%+23.5pp |
| Annual return | 23.54% | 17.84%+5.7pp | 29.67%-6.1pp | 41.64%-18.1pp |
| Employer contribution / active EE | $2,982 | $3,256-8.4% | $5,055-41.0% | $2,551+16.9% |
| Participant deferral / active EE | $4,434 | $4,938-10.2% | $6,795-34.8% | $4,139+7.1% |
| Admin fee / account holder | $1,918 | $9,934-80.7% | $21,427-91.0% | $7,234-73.5% |