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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 | $17,704 | $56,287-68.5% | $80,977-78.1% | $62,881-71.8% |
| Participation rate | 77.8% | 68.9%+8.8pp | 75.8%+2.0pp | 69.3%+8.5pp |
| Annual return | 8.83% | 22.13%-13.3pp | 17.11%-8.3pp | 20.14%-11.3pp |
| Employer contribution / active EE | $6,184 | $1,943+218.3% | $3,715+66.5% | $2,281+171.1% |
| Participant deferral / active EE | $5,312 | $4,196+26.6% | $5,696-6.7% | $3,203+65.8% |
| Admin fee / account holder | $1,119 | $3,742-70.1% | $5,517-79.7% | $4,296-73.9% |