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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 | $28,056 | $138,385-79.7% | $184,200-84.8% | $80,874-65.3% |
| Participation rate | 78.8% | 83.9%-5.1pp | 86.8%-8.0pp | 67.6%+11.1pp |
| Annual return | 31.85% | 20.02%+11.8pp | 28.80%+3.1pp | 35.62%-3.8pp |
| Employer contribution / active EE | $4,472 | $4,849-7.8% | $6,424-30.4% | $2,756+62.3% |
| Participant deferral / active EE | $6,028 | $7,073-14.8% | $9,132-34.0% | $4,297+40.3% |
| Admin fee / account holder | $2,612 | $10,483-75.1% | $13,907-81.2% | $6,935-62.3% |