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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 | $18,659 | $73,988-74.8% | $96,538-80.7% | $75,177-75.2% |
| Participation rate | 95.2% | 66.4%+28.8pp | 74.3%+20.9pp | 67.2%+28.0pp |
| Annual return | 16.32% | 26.73%-10.4pp | 35.74%-19.4pp | 160.75%-144.4pp |
| Employer contribution / active EE | $1,943 | $2,930-33.7% | $3,740-48.1% | $2,671-27.3% |
| Participant deferral / active EE | $4,654 | $3,660+27.2% | $4,880-4.6% | $4,126+12.8% |
| Admin fee / account holder | $2,807 | $5,220-46.2% | $6,737-58.3% | $5,651-50.3% |