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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 | $31,708 | $87,834-63.9% | $133,975-76.3% | $62,881-49.6% |
| Participation rate | 84.8% | 83.4%+1.5pp | 87.1%-2.2pp | 69.3%+15.5pp |
| Annual return | 7.71% | 12.05%-4.3pp | 29.29%-21.6pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,644 | $3,482-52.8% | $5,211-68.4% | $2,281-27.9% |
| Participant deferral / active EE | $5,221 | $4,812+8.5% | $6,282-16.9% | $3,203+63.0% |
| Admin fee / account holder | $1,550 | $5,372-71.1% | $9,324-83.4% | $4,296-63.9% |