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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 | $19,194 | $63,924-70.0% | $108,582-82.3% | $55,167-65.2% |
| Participation rate | 82.6% | 74.3%+8.3pp | 79.6%+3.1pp | 69.0%+13.7pp |
| Annual return | 7.60% | 15.31%-7.7pp | -51.70%+59.3pp | 169.23%-161.6pp |
| Employer contribution / active EE | $1,855 | $1,879-1.3% | $3,758-50.6% | $1,963-5.5% |
| Participant deferral / active EE | $3,093 | $3,067+0.9% | $4,311-28.2% | $3,054+1.3% |
| Admin fee / account holder | $1,080 | $618+74.8% | $7,645-85.9% | $504+114.3% |