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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 | $25,222 | $78,428-67.8% | $95,960-73.7% | $79,852-68.4% |
| Participation rate | 74.4% | 73.5%+0.9pp | 77.1%-2.7pp | 69.6%+4.8pp |
| Annual return | 15.85% | 19.37%-3.5pp | 91.63%-75.8pp | 31.72%-15.9pp |
| Employer contribution / active EE | $1,369 | $1,945-29.6% | $2,541-46.1% | $2,471-44.6% |
| Participant deferral / active EE | $2,601 | $3,440-24.4% | $4,167-37.6% | $3,740-30.5% |
| Admin fee / account holder | $1,209 | $5,622-78.5% | $6,797-82.2% | $5,306-77.2% |