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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 | $26,108 | $86,949-70.0% | $102,460-74.5% | $80,959-67.8% |
| Participation rate | 80.5% | 72.4%+8.1pp | 76.5%+4.0pp | 67.7%+12.9pp |
| Annual return | 13.59% | 18.89%-5.3pp | 29.47%-15.9pp | 35.67%-22.1pp |
| Employer contribution / active EE | $3,565 | $2,370+50.4% | $3,025+17.8% | $2,757+29.3% |
| Participant deferral / active EE | $3,098 | $4,121-24.8% | $5,056-38.7% | $4,300-28.0% |
| Admin fee / account holder | $2,641 | $8,048-67.2% | $9,460-72.1% | $6,925-61.9% |