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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 | $10,811 | $58,493-81.5% | $84,023-87.1% | $72,976-85.2% |
| Participation rate | 74.3% | 61.2%+13.1pp | 69.0%+5.3pp | 69.5%+4.8pp |
| Annual return | 30.85% | 28.93%+1.9pp | 71.32%-40.5pp | 81.02%-50.2pp |
| Employer contribution / active EE | $1,986 | $1,163+70.8% | $1,984+0.1% | $2,440-18.6% |
| Participant deferral / active EE | $3,106 | $2,394+29.7% | $3,239-4.1% | $3,608-13.9% |
| Admin fee / account holder | $821 | $4,569-82.0% | $6,102-86.5% | $5,124-84.0% |