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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 | $21,387 | $81,487-73.8% | $102,412-79.1% | $80,935-73.6% |
| Participation rate | 74.3% | 66.8%+7.4pp | 74.5%-0.2pp | 67.7%+6.6pp |
| Annual return | 11.64% | 25.60%-14.0pp | 24.94%-13.3pp | 35.66%-24.0pp |
| Employer contribution / active EE | $1,439 | $3,103-53.6% | $3,870-62.8% | $2,757-47.8% |
| Participant deferral / active EE | $2,931 | $3,871-24.3% | $5,060-42.1% | $4,299-31.8% |
| Admin fee / account holder | $2,786 | $6,717-58.5% | $8,388-66.8% | $6,924-59.8% |