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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 | $20,928 | $78,423-73.3% | $95,964-78.2% | $79,856-73.8% |
| Participation rate | 71.0% | 73.5%-2.5pp | 77.1%-6.1pp | 69.6%+1.3pp |
| Annual return | 11.01% | 19.37%-8.4pp | 91.64%-80.6pp | 31.71%-20.7pp |
| Employer contribution / active EE | $1,455 | $1,945-25.2% | $2,541-42.7% | $2,471-41.1% |
| Participant deferral / active EE | $3,054 | $3,440-11.2% | $4,167-26.7% | $3,741-18.4% |
| Admin fee / account holder | $426 | $5,622-92.4% | $6,797-93.7% | $5,306-92.0% |