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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 | $23,079 | $87,106-73.5% | $105,607-78.1% | $80,935-71.5% |
| Participation rate | 77.3% | 70.4%+6.8pp | 75.3%+2.0pp | 67.7%+9.6pp |
| Annual return | 14.83% | 17.01%-2.2pp | 116.11%-101.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,392 | $2,396-0.2% | $3,167-24.5% | $2,757-13.2% |
| Participant deferral / active EE | $3,707 | $3,986-7.0% | $5,011-26.0% | $4,299-13.8% |
| Admin fee / account holder | $2,022 | $8,447-76.1% | $10,958-81.5% | $6,924-70.8% |