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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 | $21,933 | $101,778-78.5% | $164,975-86.7% | $80,925-72.9% |
| Participation rate | 86.9% | 71.8%+15.1pp | 78.6%+8.3pp | 67.7%+19.2pp |
| Annual return | 12.36% | 16.73%-4.4pp | 70.12%-57.8pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,618 | $2,954-45.2% | $4,343-62.8% | $2,756-41.3% |
| Participant deferral / active EE | $3,550 | $4,477-20.7% | $6,033-41.2% | $4,299-17.4% |
| Admin fee / account holder | $1,273 | $8,221-84.5% | $12,688-90.0% | $6,940-81.7% |