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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 | $28,099 | $176,831-84.1% | $146,674-80.8% | $167,497-83.2% |
| Participation rate | 83.3% | 83.6%-0.3pp | 80.1%+3.3pp | 82.1%+1.2pp |
| Annual return | 17.56% | 24.04%-6.5pp | 22.75%-5.2pp | 478.62%-461.1pp |
| Employer contribution / active EE | $1,496 | $5,161-71.0% | $4,137-63.8% | $4,838-69.1% |
| Participant deferral / active EE | $6,235 | $6,440-3.2% | $5,506+13.2% | $6,341-1.7% |
| Admin fee / account holder | $886 | $13,261-93.3% | $10,280-91.4% | $12,310-92.8% |