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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 | $181,004-87.5% | $122,979-81.5% | - |
| Participation rate | 98.0% | 58.9%+39.0pp | 77.2%+20.8pp | - |
| Annual return | 19.20% | 7.93%+11.3pp | 20.12%-0.9pp | - |
| Employer contribution / active EE | $1,474 | $1,877-21.5% | $3,062-51.9% | - |
| Participant deferral / active EE | $3,247 | $3,727-12.9% | $5,003-35.1% | - |
| Admin fee / account holder | $1,903 | $33,727-94.4% | $12,864-85.2% | - |