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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 | $22,867 | $199,109-88.5% | $173,730-86.8% | $154,746-85.2% |
| Participation rate | 87.5% | 82.8%+4.7pp | 79.6%+7.9pp | 80.7%+6.8pp |
| Annual return | 19.50% | 20.02%-0.5pp | 19.96%-0.5pp | 172.34%-152.8pp |
| Employer contribution / active EE | $2,448 | $5,311-53.9% | $4,577-46.5% | $4,379-44.1% |
| Participant deferral / active EE | $4,222 | $7,113-40.6% | $6,326-33.3% | $6,730-37.3% |
| Admin fee / account holder | $768 | $20,916-96.3% | $17,523-95.6% | $14,365-94.7% |