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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 | $23,039 | $106,749-78.4% | $145,433-84.2% | $82,448-72.1% |
| Participation rate | 74.6% | 75.6%-1.1pp | 82.1%-7.5pp | 68.1%+6.5pp |
| Annual return | 16.14% | 27.59%-11.5pp | 66.58%-50.4pp | 41.64%-25.5pp |
| Employer contribution / active EE | $1,535 | $3,444-55.4% | $4,554-66.3% | $2,551-39.8% |
| Participant deferral / active EE | $3,355 | $6,519-48.5% | $7,897-57.5% | $4,139-18.9% |
| Admin fee / account holder | $2,022 | $8,390-75.9% | $13,129-84.6% | $7,234-72.0% |