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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 | $18,544 | $87,834-78.9% | $133,975-86.2% | $62,881-70.5% |
| Participation rate | 77.4% | 83.4%-6.0pp | 87.1%-9.7pp | 69.3%+8.1pp |
| Annual return | 11.19% | 12.05%-0.9pp | 29.29%-18.1pp | 20.14%-9.0pp |
| Employer contribution / active EE | $1,166 | $3,482-66.5% | $5,211-77.6% | $2,281-48.9% |
| Participant deferral / active EE | $2,426 | $4,812-49.6% | $6,282-61.4% | $3,203-24.3% |
| Admin fee / account holder | $729 | $5,372-86.4% | $9,324-92.2% | $4,296-83.0% |