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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 | $24,585 | $80,992-69.6% | $96,534-74.5% | $75,173-67.3% |
| Participation rate | 88.9% | 71.8%+17.1pp | 76.0%+12.9pp | 67.2%+21.7pp |
| Annual return | 16.00% | 27.05%-11.0pp | 25.88%-9.9pp | 160.72%-144.7pp |
| Employer contribution / active EE | $1,787 | $2,283-21.7% | $2,965-39.8% | $2,671-33.1% |
| Participant deferral / active EE | $2,565 | $3,929-34.7% | $4,851-47.1% | $4,126-37.8% |
| Admin fee / account holder | $1,431 | $6,717-78.7% | $8,253-82.7% | $5,651-74.7% |