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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 | $22,099 | $95,453-76.8% | $112,040-80.3% | $82,448-73.2% |
| Participation rate | 83.0% | 72.8%+10.3pp | 76.5%+6.5pp | 68.1%+15.0pp |
| Annual return | 18.52% | 23.92%-5.4pp | 24.52%-6.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $958 | $2,318-58.7% | $2,954-67.6% | $2,551-62.4% |
| Participant deferral / active EE | $3,073 | $4,224-27.2% | $5,098-39.7% | $4,139-25.8% |
| Admin fee / account holder | $3,891 | $9,013-56.8% | $12,098-67.8% | $7,234-46.2% |