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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 | $27,530 | $95,453-71.2% | $112,040-75.4% | $82,448-66.6% |
| Participation rate | 74.4% | 72.8%+1.6pp | 76.5%-2.1pp | 68.1%+6.3pp |
| Annual return | 20.03% | 23.92%-3.9pp | 24.52%-4.5pp | 41.64%-21.6pp |
| Employer contribution / active EE | $2,059 | $2,318-11.2% | $2,954-30.3% | $2,551-19.3% |
| Participant deferral / active EE | $3,807 | $4,224-9.9% | $5,098-25.3% | $4,139-8.0% |
| Admin fee / account holder | $887 | $9,013-90.2% | $12,098-92.7% | $7,234-87.7% |