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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 | $26,064 | $95,904-72.8% | $173,730-85.0% | $64,340-59.5% |
| Participation rate | 72.9% | 60.6%+12.3pp | 79.6%-6.7pp | 55.2%+17.6pp |
| Annual return | 17.26% | 17.47%-0.2pp | 19.96%-2.7pp | 24.14%-6.9pp |
| Employer contribution / active EE | $1,519 | $2,323-34.6% | $4,577-66.8% | $1,862-18.4% |
| Participant deferral / active EE | $2,608 | $3,488-25.2% | $6,326-58.8% | $2,980-12.5% |
| Admin fee / account holder | $1,437 | $5,089-71.8% | $17,523-91.8% | $3,703-61.2% |