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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 | $16,582 | $93,055-82.2% | $153,741-89.2% | $80,959-79.5% |
| Participation rate | 74.3% | 69.0%+5.3pp | 77.1%-2.8pp | 67.7%+6.6pp |
| Annual return | 16.97% | 19.97%-3.0pp | 15.71%+1.3pp | 35.67%-18.7pp |
| Employer contribution / active EE | $2,522 | $3,504-28.0% | $5,042-50.0% | $2,757-8.5% |
| Participant deferral / active EE | $4,273 | $5,172-17.4% | $6,757-36.8% | $4,300-0.6% |
| Admin fee / account holder | $1,064 | $8,881-88.0% | $12,749-91.7% | $6,925-84.6% |