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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 | $32,921 | $97,550-66.3% | $120,344-72.6% | $87,485-62.4% |
| Participation rate | 77.8% | 72.8%+5.0pp | 76.7%+1.1pp | 68.9%+8.8pp |
| Annual return | 17.83% | 18.41%-0.6pp | 20.30%-2.5pp | 26.06%-8.2pp |
| Employer contribution / active EE | $3,144 | $2,291+37.2% | $3,020+4.1% | $2,596+21.1% |
| Participant deferral / active EE | $4,280 | $4,230+1.2% | $5,135-16.7% | $4,274+0.1% |
| Admin fee / account holder | $3,287 | $9,543-65.6% | $12,742-74.2% | $7,775-57.7% |