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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 | $16,150 | $80,992-80.1% | $96,534-83.3% | $75,173-78.5% |
| Participation rate | 89.3% | 71.8%+17.5pp | 76.0%+13.3pp | 67.2%+22.1pp |
| Annual return | 21.44% | 27.05%-5.6pp | 25.88%-4.4pp | 160.72%-139.3pp |
| Employer contribution / active EE | $2,545 | $2,283+11.5% | $2,965-14.2% | $2,671-4.7% |
| Participant deferral / active EE | $4,555 | $3,929+15.9% | $4,851-6.1% | $4,126+10.4% |
| Admin fee / account holder | $2,056 | $6,717-69.4% | $8,253-75.1% | $5,651-63.6% |