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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 | $22,072 | $104,251-78.8% | $91,004-75.7% | $147,586-85.0% |
| Participation rate | 81.8% | 78.2%+3.6pp | 75.6%+6.2pp | 82.8%-1.0pp |
| Annual return | 12.59% | 27.06%-14.5pp | 4.60%+8.0pp | 578.59%-566.0pp |
| Employer contribution / active EE | $1,841 | $3,116-40.9% | $2,456-25.0% | $4,876-62.2% |
| Participant deferral / active EE | $3,807 | $4,195-9.3% | $3,548+7.3% | $5,439-30.0% |
| Admin fee / account holder | $2,077 | $8,948-76.8% | $5,417-61.7% | $10,886-80.9% |