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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 | $91,120-71.4% | $161,149-83.8% | $64,097-59.3% |
| Participation rate | 72.9% | 62.2%+10.7pp | 78.8%-6.0pp | 55.2%+17.7pp |
| Annual return | 17.26% | 17.95%-0.7pp | 21.16%-3.9pp | 34.64%-17.4pp |
| Employer contribution / active EE | $1,519 | $2,284-33.5% | $4,360-65.2% | $1,891-19.7% |
| Participant deferral / active EE | $2,608 | $3,708-29.7% | $6,153-57.6% | $3,080-15.3% |
| Admin fee / account holder | $1,437 | $4,535-68.3% | $15,194-90.5% | $3,454-58.4% |