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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 | $12,444 | $56,894-78.1% | $84,753-85.3% | $62,881-80.2% |
| Participation rate | 89.2% | 68.5%+20.7pp | 76.6%+12.6pp | 69.3%+19.9pp |
| Annual return | 6.20% | 6.30%-0.1pp | 22.78%-16.6pp | 20.14%-13.9pp |
| Employer contribution / active EE | $7,835 | $2,400+226.5% | $3,574+119.2% | $2,281+243.5% |
| Participant deferral / active EE | $2,633 | $2,709-2.8% | $3,712-29.1% | $3,203-17.8% |
| Admin fee / account holder | $1,498 | $3,581-58.2% | $5,333-71.9% | $4,296-65.1% |