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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 | $14,449 | $81,487-82.3% | $102,412-85.9% | $80,935-82.1% |
| Participation rate | 80.6% | 66.8%+13.8pp | 74.5%+6.1pp | 67.7%+13.0pp |
| Annual return | 11.67% | 25.60%-13.9pp | 24.94%-13.3pp | 35.66%-24.0pp |
| Employer contribution / active EE | $2,196 | $3,103-29.2% | $3,870-43.3% | $2,757-20.4% |
| Participant deferral / active EE | $3,249 | $3,871-16.1% | $5,060-35.8% | $4,299-24.4% |
| Admin fee / account holder | $837 | $6,717-87.5% | $8,388-90.0% | $6,924-87.9% |