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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 | $40,535 | $138,385-70.7% | $184,243-78.0% | $80,925-49.9% |
| Participation rate | 81.6% | 83.9%-2.3pp | 86.8%-5.2pp | 67.7%+13.9pp |
| Annual return | 14.44% | 20.02%-5.6pp | 28.82%-14.4pp | 35.65%-21.2pp |
| Employer contribution / active EE | $5,222 | $4,851+7.7% | $6,427-18.7% | $2,756+89.5% |
| Participant deferral / active EE | $8,632 | $7,075+22.0% | $9,132-5.5% | $4,299+100.8% |
| Admin fee / account holder | $1,868 | $10,489-82.2% | $13,914-86.6% | $6,940-73.1% |