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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 | $17,239 | $65,367-73.6% | $92,915-81.4% | $72,976-76.4% |
| Participation rate | 72.4% | 68.3%+4.1pp | 76.0%-3.6pp | 69.5%+2.9pp |
| Annual return | 20.61% | 42.11%-21.5pp | 109.45%-88.8pp | 81.02%-60.4pp |
| Employer contribution / active EE | $2,200 | $2,594-15.2% | $3,653-39.8% | $2,440-9.8% |
| Participant deferral / active EE | $3,502 | $3,128+12.0% | $4,238-17.4% | $3,608-2.9% |
| Admin fee / account holder | $742 | $4,251-82.6% | $5,796-87.2% | $5,124-85.5% |