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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 | $79,471-71.4% | $112,040-79.7% | - |
| Participation rate | 98.0% | 71.4%+26.6pp | 76.5%+21.5pp | - |
| Annual return | 19.20% | 14.66%+4.5pp | 24.52%-5.3pp | - |
| Employer contribution / active EE | $1,474 | $2,224-33.7% | $2,954-50.1% | - |
| Participant deferral / active EE | $3,247 | $4,552-28.7% | $5,098-36.3% | - |
| Admin fee / account holder | $1,903 | $4,544-58.1% | $12,098-84.3% | - |