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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 | $46,494 | $164,447-71.7% | $100,528-53.8% | - |
| Participation rate | 89.9% | 80.0%+9.9pp | 79.4%+10.5pp | - |
| Annual return | 17.14% | 24.40%-7.3pp | 30.90%-13.8pp | - |
| Employer contribution / active EE | $4,056 | $2,075+95.4% | $3,419+18.6% | - |
| Participant deferral / active EE | $8,287 | $7,296+13.6% | $6,271+32.1% | - |
| Admin fee / account holder | $4,351 | $1,510+188.1% | $8,084-46.2% | - |