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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 | $26,658 | $110,137-75.8% | $161,149-83.5% | $82,637-67.7% |
| Participation rate | 91.4% | 72.4%+19.0pp | 78.8%+12.5pp | 68.1%+23.3pp |
| Annual return | 16.87% | 20.69%-3.8pp | 21.16%-4.3pp | 53.51%-36.6pp |
| Employer contribution / active EE | $2,760 | $2,856-3.4% | $4,360-36.7% | $2,552+8.1% |
| Participant deferral / active EE | $5,202 | $4,575+13.7% | $6,153-15.5% | $4,126+26.1% |
| Admin fee / account holder | $2,438 | $9,467-74.2% | $15,194-84.0% | $7,339-66.8% |