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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 | $16,806 | $136,860-87.7% | $120,344-86.0% | $154,746-89.1% |
| Participation rate | 77.8% | 79.9%-2.1pp | 76.7%+1.1pp | 80.7%-2.9pp |
| Annual return | 24.33% | 21.38%+3.0pp | 20.30%+4.0pp | 172.34%-148.0pp |
| Employer contribution / active EE | $2,502 | $3,533-29.2% | $3,020-17.2% | $4,379-42.9% |
| Participant deferral / active EE | $4,040 | $5,793-30.3% | $5,135-21.3% | $6,730-40.0% |
| Admin fee / account holder | $707 | $15,393-95.4% | $12,742-94.5% | $14,365-95.1% |