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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 | $95,404-65.5% | $113,397-71.0% | $82,637-60.2% |
| Participation rate | 77.8% | 72.8%+5.0pp | 76.5%+1.3pp | 68.1%+9.7pp |
| Annual return | 17.83% | 19.08%-1.2pp | 23.20%-5.4pp | 53.51%-35.7pp |
| Employer contribution / active EE | $3,144 | $2,307+36.3% | $2,977+5.6% | $2,552+23.2% |
| Participant deferral / active EE | $4,280 | $4,220+1.4% | $5,076-15.7% | $4,126+3.7% |
| Admin fee / account holder | $3,287 | $9,168-64.2% | $11,957-72.5% | $7,339-55.2% |