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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 | $17,726 | $100,194-82.3% | $122,979-85.6% | $86,983-79.6% |
| Participation rate | 82.9% | 73.0%+9.9pp | 77.2%+5.7pp | 69.5%+13.3pp |
| Annual return | 16.19% | 16.47%-0.3pp | 20.12%-3.9pp | 25.83%-9.6pp |
| Employer contribution / active EE | $1,886 | $2,326-18.9% | $3,062-38.4% | $2,584-27.0% |
| Participant deferral / active EE | $3,626 | $4,133-12.3% | $5,003-27.5% | $4,194-13.5% |
| Admin fee / account holder | $2,740 | $10,148-73.0% | $12,864-78.7% | $7,856-65.1% |