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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 | $97,550-69.6% | $120,344-75.4% | $87,485-66.1% |
| Participation rate | 71.8% | 72.8%-1.0pp | 76.7%-4.9pp | 68.9%+2.9pp |
| Annual return | 15.05% | 18.41%-3.4pp | 20.30%-5.3pp | 26.06%-11.0pp |
| Employer contribution / active EE | $1,231 | $2,291-46.2% | $3,020-59.2% | $2,596-52.6% |
| Participant deferral / active EE | $2,591 | $4,230-38.7% | $5,135-49.5% | $4,274-39.4% |
| Admin fee / account holder | $2,797 | $9,543-70.7% | $12,742-78.1% | $7,775-64.0% |