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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 | $20,918 | $101,795-79.5% | $165,100-87.3% | $80,959-74.2% |
| Participation rate | 89.3% | 71.8%+17.5pp | 78.6%+10.7pp | 67.7%+21.6pp |
| Annual return | 12.50% | 16.73%-4.2pp | 70.21%-57.7pp | 35.67%-23.2pp |
| Employer contribution / active EE | $5,892 | $2,954+99.5% | $4,348+35.5% | $2,757+113.7% |
| Participant deferral / active EE | $3,840 | $4,476-14.2% | $6,035-36.4% | $4,300-10.7% |
| Admin fee / account holder | $1,458 | $8,221-82.3% | $12,696-88.5% | $6,925-78.9% |