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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 | $27,853 | $109,620-74.6% | $148,496-81.2% | $94,015-70.4% |
| Participation rate | 84.3% | 71.3%+13.0pp | 76.0%+8.2pp | 70.8%+13.5pp |
| Annual return | 15.58% | 17.54%-2.0pp | 12.33%+3.3pp | 17.84%-2.3pp |
| Employer contribution / active EE | $1,882 | $2,618-28.1% | $3,497-46.2% | $2,790-32.6% |
| Participant deferral / active EE | $3,518 | $3,831-8.2% | $4,808-26.8% | $4,249-17.2% |
| Admin fee / account holder | $2,577 | $10,050-74.4% | $19,547-86.8% | $8,951-71.2% |