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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 | $21,938 | $82,523-73.4% | $115,752-81.0% | $70,126-68.7% |
| Participation rate | 96.8% | 74.0%+22.8pp | 77.8%+19.0pp | 69.5%+27.2pp |
| Annual return | 13.52% | 28.22%-14.7pp | 19.41%-5.9pp | 73.15%-59.6pp |
| Employer contribution / active EE | $0 | $2,758-100.0% | $3,492-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,622 | $4,062-60.1% | $5,204-68.8% | $3,332-51.3% |
| Admin fee / account holder | $390 | $4,552-91.4% | $6,278-93.8% | $4,645-91.6% |