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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 | $20,417 | $76,551-73.3% | $123,894-83.5% | $62,881-67.5% |
| Participation rate | 83.3% | 73.0%+10.4pp | 81.4%+1.9pp | 69.3%+14.0pp |
| Annual return | 12.38% | 18.68%-6.3pp | 47.52%-35.1pp | 20.14%-7.8pp |
| Employer contribution / active EE | $1,215 | $2,882-57.8% | $4,617-73.7% | $2,281-46.7% |
| Participant deferral / active EE | $3,114 | $4,840-35.7% | $5,984-48.0% | $3,203-2.8% |
| Admin fee / account holder | $1,467 | $4,826-69.6% | $8,357-82.4% | $4,296-65.8% |