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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 | $25,161 | $80,983-68.9% | $96,544-73.9% | $75,177-66.5% |
| Participation rate | 76.7% | 71.8%+4.9pp | 76.0%+0.7pp | 67.2%+9.5pp |
| Annual return | 13.88% | 27.05%-13.2pp | 25.88%-12.0pp | 160.75%-146.9pp |
| Employer contribution / active EE | $1,916 | $2,282-16.1% | $2,966-35.4% | $2,671-28.3% |
| Participant deferral / active EE | $5,658 | $3,929+44.0% | $4,851+16.6% | $4,126+37.1% |
| Admin fee / account holder | $17,640 | $6,717+162.6% | $8,254+113.7% | $5,651+212.1% |