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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 | $10,252 | $67,602-84.8% | $82,312-87.5% | $70,126-85.4% |
| Participation rate | 87.1% | 72.8%+14.3pp | 76.9%+10.2pp | 69.5%+17.6pp |
| Annual return | 18.94% | 21.57%-2.6pp | 25.88%-6.9pp | 73.15%-54.2pp |
| Employer contribution / active EE | $2,488 | $1,755+41.8% | $2,428+2.5% | $2,343+6.2% |
| Participant deferral / active EE | $4,925 | $2,987+64.9% | $3,706+32.9% | $3,332+47.8% |
| Admin fee / account holder | $597 | $4,512-86.8% | $5,608-89.4% | $4,645-87.2% |