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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 | $38,102 | $138,386-72.5% | $184,260-79.3% | $80,935-52.9% |
| Participation rate | 96.8% | 83.9%+12.9pp | 86.8%+9.9pp | 67.7%+29.1pp |
| Annual return | 11.69% | 20.02%-8.3pp | 28.84%-17.2pp | 35.66%-24.0pp |
| Employer contribution / active EE | $3,329 | $4,851-31.4% | $6,427-48.2% | $2,757+20.8% |
| Participant deferral / active EE | $7,879 | $7,076+11.4% | $9,133-13.7% | $4,299+83.3% |
| Admin fee / account holder | $434 | $10,489-95.9% | $13,898-96.9% | $6,924-93.7% |