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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 | $20,971 | $136,860-84.7% | $120,344-82.6% | $154,746-86.4% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 16.11% | 21.38%-5.3pp | 20.30%-4.2pp | 172.34%-156.2pp |
| Employer contribution / active EE | $2,681 | $3,533-24.1% | $3,020-11.2% | $4,379-38.8% |
| Participant deferral / active EE | $2,193 | $5,793-62.1% | $5,135-57.3% | $6,730-67.4% |
| Admin fee / account holder | $5,174 | $15,393-66.4% | $12,742-59.4% | $14,365-64.0% |