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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 | $18,049 | $57,108-68.4% | $94,229-80.8% | $52,331-65.5% |
| Participation rate | 84.0% | 72.9%+11.1pp | 78.8%+5.2pp | 68.1%+15.9pp |
| Annual return | 0.81% | 1.47%-0.7pp | 10.68%-9.9pp | 4.54%-3.7pp |
| Employer contribution / active EE | $1,962 | $1,735+13.1% | $3,587-45.3% | $1,882+4.3% |
| Participant deferral / active EE | $3,249 | $3,040+6.9% | $4,320-24.8% | $3,022+7.5% |
| Admin fee / account holder | $371 | $546-32.1% | $6,269-94.1% | $592-37.2% |