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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 | $12,296 | $74,535-83.5% | $100,712-87.8% | $82,637-85.1% |
| Participation rate | 88.2% | 61.2%+27.1pp | 69.3%+19.0pp | 68.1%+20.2pp |
| Annual return | 18.53% | 18.92%-0.4pp | 33.27%-14.7pp | 53.51%-35.0pp |
| Employer contribution / active EE | $1,746 | $1,503+16.2% | $2,313-24.5% | $2,552-31.6% |
| Participant deferral / active EE | $3,984 | $3,074+29.6% | $4,085-2.5% | $4,126-3.4% |
| Admin fee / account holder | $1,938 | $6,576-70.5% | $9,256-79.1% | $7,339-73.6% |