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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 | $21,378 | $99,633-78.5% | $183,328-88.3% | $82,448-74.1% |
| Participation rate | 88.2% | 70.8%+17.5pp | 77.3%+10.9pp | 68.1%+20.2pp |
| Annual return | 19.46% | 17.84%+1.6pp | 29.67%-10.2pp | 41.64%-22.2pp |
| Employer contribution / active EE | $2,646 | $3,256-18.7% | $5,055-47.7% | $2,551+3.7% |
| Participant deferral / active EE | $4,773 | $4,938-3.3% | $6,795-29.8% | $4,139+15.3% |
| Admin fee / account holder | $1,798 | $9,934-81.9% | $21,427-91.6% | $7,234-75.1% |