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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 | $38,814 | $177,595-78.1% | $148,496-73.9% | $198,609-80.5% |
| Participation rate | 79.2% | 79.3%-0.1pp | 76.0%+3.1pp | 82.4%-3.2pp |
| Annual return | 10.65% | 9.97%+0.7pp | 12.33%-1.7pp | 202.70%-192.1pp |
| Employer contribution / active EE | $4,706 | $4,098+14.8% | $3,497+34.6% | $5,055-6.9% |
| Participant deferral / active EE | $3,845 | $5,539-30.6% | $4,808-20.0% | $6,977-44.9% |
| Admin fee / account holder | $9,268 | $27,010-65.7% | $19,547-52.6% | $19,030-51.3% |