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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 | $29,652 | $104,098-71.5% | $140,514-78.9% | $94,015-68.5% |
| Participation rate | 71.8% | 73.7%-1.9pp | 77.8%-6.0pp | 70.8%+1.0pp |
| Annual return | 15.05% | 15.14%-0.1pp | 14.36%+0.7pp | 17.84%-2.8pp |
| Employer contribution / active EE | $1,231 | $2,388-48.4% | $3,378-63.5% | $2,790-55.9% |
| Participant deferral / active EE | $2,591 | $4,033-35.7% | $4,919-47.3% | $4,249-39.0% |
| Admin fee / account holder | $2,797 | $10,439-73.2% | $13,697-79.6% | $8,951-68.8% |