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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 | $3,185 | $112,729-97.2% | $98,716-96.8% | $137,256-97.7% |
| Participation rate | 92.3% | 74.2%+18.1pp | 69.3%+23.0pp | 80.0%+12.3pp |
| Annual return | 15.24% | 38.48%-23.2pp | 31.81%-16.6pp | 220.34%-205.1pp |
| Employer contribution / active EE | $652 | $2,725-76.1% | $2,279-71.4% | $4,156-84.3% |
| Participant deferral / active EE | $2,975 | $4,640-35.9% | $4,048-26.5% | $6,407-53.6% |
| Admin fee / account holder | $1,534 | $10,129-84.9% | $8,703-82.4% | $12,270-87.5% |