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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 | $13,648 | $76,371-82.1% | $93,621-85.4% | $72,975-81.3% |
| Participation rate | 91.0% | 71.8%+19.3pp | 75.8%+15.2pp | 69.5%+21.5pp |
| Annual return | 21.16% | 25.82%-4.7pp | 32.76%-11.6pp | 81.01%-59.9pp |
| Employer contribution / active EE | $1,945 | $2,276-14.5% | $2,719-28.4% | $2,440-20.3% |
| Participant deferral / active EE | $2,276 | $3,538-35.7% | $4,070-44.1% | $3,608-36.9% |
| Admin fee / account holder | $511 | $6,839-92.5% | $7,890-93.5% | $5,124-90.0% |