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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 | $100,194-70.4% | $122,979-75.9% | $86,983-65.9% |
| Participation rate | 71.8% | 73.0%-1.1pp | 77.2%-5.4pp | 69.5%+2.3pp |
| Annual return | 15.05% | 16.47%-1.4pp | 20.12%-5.1pp | 25.83%-10.8pp |
| Employer contribution / active EE | $1,231 | $2,326-47.0% | $3,062-59.8% | $2,584-52.4% |
| Participant deferral / active EE | $2,591 | $4,133-37.3% | $5,003-48.2% | $4,194-38.2% |
| Admin fee / account holder | $2,797 | $10,148-72.4% | $12,864-78.3% | $7,856-64.4% |