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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 | $29,770 | $97,550-69.5% | $120,344-75.3% | $87,485-66.0% |
| Participation rate | 79.3% | 72.8%+6.5pp | 76.7%+2.6pp | 68.9%+10.4pp |
| Annual return | 16.65% | 18.41%-1.8pp | 20.30%-3.7pp | 26.06%-9.4pp |
| Employer contribution / active EE | $3,536 | $2,291+54.4% | $3,020+17.1% | $2,596+36.2% |
| Participant deferral / active EE | $5,868 | $4,230+38.7% | $5,135+14.3% | $4,274+37.3% |
| Admin fee / account holder | $4,052 | $9,543-57.5% | $12,742-68.2% | $7,775-47.9% |