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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 | $22,706 | $75,047-69.7% | $113,397-80.0% | - |
| Participation rate | 98.0% | 69.9%+28.1pp | 76.5%+21.5pp | - |
| Annual return | 19.20% | 13.74%+5.5pp | 23.20%-4.0pp | - |
| Employer contribution / active EE | $1,474 | $2,227-33.8% | $2,977-50.5% | - |
| Participant deferral / active EE | $3,247 | $4,172-22.2% | $5,076-36.0% | - |
| Admin fee / account holder | $1,903 | $5,004-62.0% | $11,957-84.1% | - |