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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 | $26,893 | $114,712-76.6% | $173,730-84.5% | $87,485-69.3% |
| Participation rate | 98.8% | 73.0%+25.8pp | 79.6%+19.2pp | 68.9%+29.8pp |
| Annual return | 15.98% | 20.18%-4.2pp | 19.96%-4.0pp | 26.06%-10.1pp |
| Employer contribution / active EE | $2,798 | $2,904-3.7% | $4,577-38.9% | $2,596+7.8% |
| Participant deferral / active EE | $3,471 | $4,642-25.2% | $6,326-45.1% | $4,274-18.8% |
| Admin fee / account holder | $1,731 | $10,210-83.0% | $17,523-90.1% | $7,775-77.7% |