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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 | $25,578 | $101,798-74.9% | $165,071-84.5% | $80,935-68.4% |
| Participation rate | 85.7% | 71.8%+13.9pp | 78.6%+7.1pp | 67.7%+18.1pp |
| Annual return | 12.97% | 16.73%-3.8pp | 70.17%-57.2pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,704 | $2,954-42.3% | $4,347-60.8% | $2,757-38.2% |
| Participant deferral / active EE | $4,688 | $4,476+4.7% | $6,035-22.3% | $4,299+9.0% |
| Admin fee / account holder | $1,685 | $8,221-79.5% | $12,695-86.7% | $6,924-75.7% |