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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 | $23,489 | $78,425-70.0% | $95,956-75.5% | $79,858-70.6% |
| Participation rate | 95.2% | 73.5%+21.7pp | 77.1%+18.2pp | 69.6%+25.6pp |
| Annual return | 12.09% | 19.37%-7.3pp | 91.63%-79.5pp | 31.72%-19.6pp |
| Employer contribution / active EE | $1,673 | $1,945-14.0% | $2,541-34.2% | $2,471-32.3% |
| Participant deferral / active EE | $2,565 | $3,440-25.4% | $4,167-38.4% | $3,740-31.4% |
| Admin fee / account holder | $4,377 | $5,622-22.1% | $6,797-35.6% | $5,306-17.5% |