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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 | $26,452 | $87,132-69.6% | $105,624-75.0% | $80,959-67.3% |
| Participation rate | 96.0% | 70.4%+25.6pp | 75.3%+20.7pp | 67.7%+28.3pp |
| Annual return | 24.96% | 17.03%+7.9pp | 116.20%-91.2pp | 35.67%-10.7pp |
| Employer contribution / active EE | $1,567 | $2,397-34.6% | $3,168-50.5% | $2,757-43.2% |
| Participant deferral / active EE | $4,046 | $3,985+1.5% | $5,013-19.3% | $4,300-5.9% |
| Admin fee / account holder | $2,301 | $8,449-72.8% | $10,961-79.0% | $6,925-66.8% |