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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 | $41,115 | $128,603-68.0% | $197,124-79.1% | $67,986-39.5% |
| Participation rate | 79.0% | 81.7%-2.7pp | 86.7%-7.7pp | 57.2%+21.8pp |
| Annual return | 19.34% | 23.77%-4.4pp | 44.34%-25.0pp | 31.67%-12.3pp |
| Employer contribution / active EE | $1,800 | $4,379-58.9% | $6,227-71.1% | $2,019-10.8% |
| Participant deferral / active EE | $5,392 | $6,840-21.2% | $9,135-41.0% | $3,358+60.6% |
| Admin fee / account holder | $2,694 | $3,035-11.2% | $16,298-83.5% | $3,203-15.9% |