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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 | $18,969 | $86,938-78.2% | $102,423-81.5% | $80,925-76.6% |
| Participation rate | 75.7% | 72.4%+3.3pp | 76.5%-0.8pp | 67.7%+8.0pp |
| Annual return | 15.24% | 18.89%-3.7pp | 29.42%-14.2pp | 35.65%-20.4pp |
| Employer contribution / active EE | $1,205 | $2,369-49.2% | $3,023-60.2% | $2,756-56.3% |
| Participant deferral / active EE | $3,530 | $4,120-14.3% | $5,054-30.2% | $4,299-17.9% |
| Admin fee / account holder | $2,721 | $8,053-66.2% | $9,455-71.2% | $6,940-60.8% |