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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 | $16,540 | $58,493-71.7% | $84,023-80.3% | $72,976-77.3% |
| Participation rate | 87.0% | 61.2%+25.8pp | 69.0%+18.0pp | 69.5%+17.5pp |
| Annual return | 22.42% | 28.93%-6.5pp | 71.32%-48.9pp | 81.02%-58.6pp |
| Employer contribution / active EE | $2,875 | $1,163+147.2% | $1,984+44.9% | $2,440+17.8% |
| Participant deferral / active EE | $2,275 | $2,394-5.0% | $3,239-29.8% | $3,608-36.9% |
| Admin fee / account holder | $1,077 | $4,569-76.4% | $6,102-82.3% | $5,124-79.0% |