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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 | $26,754 | $86,949-69.2% | $102,460-73.9% | $80,959-67.0% |
| Participation rate | 91.6% | 72.4%+19.2pp | 76.5%+15.1pp | 67.7%+23.9pp |
| Annual return | 15.07% | 18.89%-3.8pp | 29.47%-14.4pp | 35.67%-20.6pp |
| Employer contribution / active EE | $1,893 | $2,370-20.1% | $3,025-37.4% | $2,757-31.3% |
| Participant deferral / active EE | $2,901 | $4,121-29.6% | $5,056-42.6% | $4,300-32.5% |
| Admin fee / account holder | $2,685 | $8,048-66.6% | $9,460-71.6% | $6,925-61.2% |