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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 | $36,051 | $114,712-68.6% | $173,730-79.2% | $87,485-58.8% |
| Participation rate | 90.9% | 73.0%+17.9pp | 79.6%+11.3pp | 68.9%+22.0pp |
| Annual return | 15.63% | 20.18%-4.6pp | 19.96%-4.3pp | 26.06%-10.4pp |
| Employer contribution / active EE | $4,439 | $2,904+52.9% | $4,577-3.0% | $2,596+71.0% |
| Participant deferral / active EE | $4,525 | $4,642-2.5% | $6,326-28.5% | $4,274+5.9% |
| Admin fee / account holder | $5,894 | $10,210-42.3% | $17,523-66.4% | $7,775-24.2% |