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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 | $16,424 | $135,956-87.9% | $123,894-86.7% | $273,972-94.0% |
| Participation rate | 81.3% | 84.1%-2.8pp | 81.4%-0.2pp | 83.0%-1.8pp |
| Annual return | 12.85% | 56.63%-43.8pp | 47.52%-34.7pp | 41.46%-28.6pp |
| Employer contribution / active EE | $2,468 | $5,170-52.3% | $4,617-46.5% | $4,869-49.3% |
| Participant deferral / active EE | $3,451 | $6,343-45.6% | $5,984-42.3% | $5,287-34.7% |
| Admin fee / account holder | $1,774 | $9,817-81.9% | $8,357-78.8% | $10,133-82.5% |