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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 | $95,404-68.9% | $113,397-73.9% | $82,637-64.1% |
| Participation rate | 71.8% | 72.8%-1.0pp | 76.5%-4.7pp | 68.1%+3.8pp |
| Annual return | 15.05% | 19.08%-4.0pp | 23.20%-8.2pp | 53.51%-38.5pp |
| Employer contribution / active EE | $1,231 | $2,307-46.6% | $2,977-58.6% | $2,552-51.7% |
| Participant deferral / active EE | $2,591 | $4,220-38.6% | $5,076-49.0% | $4,126-37.2% |
| Admin fee / account holder | $2,797 | $9,168-69.5% | $11,957-76.6% | $7,339-61.9% |