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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 | $21,482 | $86,949-75.3% | $102,460-79.0% | $80,959-73.5% |
| Participation rate | 81.6% | 72.4%+9.2pp | 76.5%+5.1pp | 67.7%+13.9pp |
| Annual return | 29.94% | 18.89%+11.0pp | 29.47%+0.5pp | 35.67%-5.7pp |
| Employer contribution / active EE | $1,916 | $2,370-19.1% | $3,025-36.7% | $2,757-30.5% |
| Participant deferral / active EE | $3,583 | $4,121-13.1% | $5,056-29.1% | $4,300-16.7% |
| Admin fee / account holder | $2,714 | $8,048-66.3% | $9,460-71.3% | $6,925-60.8% |