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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 | $29,152 | $146,267-80.1% | $197,124-85.2% | $82,448-64.6% |
| Participation rate | 84.0% | 84.0%0pp | 86.7%-2.7pp | 68.1%+15.9pp |
| Annual return | 20.31% | 29.61%-9.3pp | 44.34%-24.0pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,596 | $4,723-45.0% | $6,227-58.3% | $2,551+1.7% |
| Participant deferral / active EE | $4,456 | $7,035-36.7% | $9,135-51.2% | $4,139+7.7% |
| Admin fee / account holder | $2,875 | $14,422-80.1% | $16,298-82.4% | $7,234-60.3% |