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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 | $39,356 | $122,131-67.8% | $227,928-82.7% | $122,131-67.8% |
| Participation rate | 97.2% | 75.1%+22.2pp | 90.5%+6.7pp | 75.1%+22.2pp |
| Annual return | 15.44% | 16.17%-0.7pp | 2.99%+12.4pp | 16.17%-0.7pp |
| Employer contribution / active EE | $2,369 | $3,608-34.3% | $8,629-72.5% | $3,608-34.3% |
| Participant deferral / active EE | $3,944 | $3,892+1.3% | $5,154-23.5% | $3,892+1.3% |
| Admin fee / account holder | $4,983 | $11,586-57.0% | $13,437-62.9% | $11,586-57.0% |