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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 | $12,424 | $81,504-84.8% | $102,437-87.9% | $80,959-84.7% |
| Participation rate | 80.3% | 66.9%+13.5pp | 74.5%+5.8pp | 67.7%+12.7pp |
| Annual return | 19.98% | 25.60%-5.6pp | 24.95%-5.0pp | 35.67%-15.7pp |
| Employer contribution / active EE | $2,195 | $3,104-29.3% | $3,871-43.3% | $2,757-20.4% |
| Participant deferral / active EE | $3,679 | $3,871-4.9% | $5,060-27.3% | $4,300-14.4% |
| Admin fee / account holder | $906 | $6,719-86.5% | $8,388-89.2% | $6,925-86.9% |