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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 | $26,175 | $199,109-86.9% | $173,730-84.9% | $154,746-83.1% |
| Participation rate | 88.9% | 82.8%+6.1pp | 79.6%+9.3pp | 80.7%+8.2pp |
| Annual return | 16.78% | 20.02%-3.2pp | 19.96%-3.2pp | 172.34%-155.6pp |
| Employer contribution / active EE | $1,420 | $5,311-73.3% | $4,577-69.0% | $4,379-67.6% |
| Participant deferral / active EE | $3,445 | $7,113-51.6% | $6,326-45.5% | $6,730-48.8% |
| Admin fee / account holder | $7,684 | $20,916-63.3% | $17,523-56.2% | $14,365-46.5% |