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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 | $37,964 | $138,393-72.6% | $184,256-79.4% | $80,959-53.1% |
| Participation rate | 70.9% | 83.9%-13.0pp | 86.8%-15.9pp | 67.7%+3.2pp |
| Annual return | 20.16% | 20.01%+0.2pp | 28.85%-8.7pp | 35.67%-15.5pp |
| Employer contribution / active EE | $2,379 | $4,847-50.9% | $6,427-63.0% | $2,757-13.7% |
| Participant deferral / active EE | $3,631 | $7,076-48.7% | $9,133-60.2% | $4,300-15.6% |
| Admin fee / account holder | $1,257 | $10,489-88.0% | $13,899-91.0% | $6,925-81.9% |