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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 | $20,959 | $80,992-74.1% | $96,534-78.3% | $75,173-72.1% |
| Participation rate | 93.2% | 71.8%+21.4pp | 76.0%+17.2pp | 67.2%+25.9pp |
| Annual return | 26.28% | 27.05%-0.8pp | 25.88%+0.4pp | 160.72%-134.4pp |
| Employer contribution / active EE | $2,704 | $2,283+18.4% | $2,965-8.8% | $2,671+1.2% |
| Participant deferral / active EE | $3,688 | $3,929-6.1% | $4,851-24.0% | $4,126-10.6% |
| Admin fee / account holder | $865 | $6,717-87.1% | $8,253-89.5% | $5,651-84.7% |