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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 | $23,686 | $95,404-75.2% | $113,397-79.1% | $82,637-71.3% |
| Participation rate | 74.2% | 72.8%+1.4pp | 76.5%-2.3pp | 68.1%+6.1pp |
| Annual return | 20.96% | 19.08%+1.9pp | 23.20%-2.2pp | 53.51%-32.5pp |
| Employer contribution / active EE | $1,944 | $2,307-15.7% | $2,977-34.7% | $2,552-23.8% |
| Participant deferral / active EE | $5,446 | $4,220+29.1% | $5,076+7.3% | $4,126+32.0% |
| Admin fee / account holder | $1,038 | $9,168-88.7% | $11,957-91.3% | $7,339-85.9% |