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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 | $17,340 | $72,273-76.0% | $101,275-82.9% | $79,856-78.3% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 32.81% | 22.30%+10.5pp | 46.48%-13.7pp | 31.71%+1.1pp |
| Employer contribution / active EE | $2,635 | $2,691-2.1% | $3,660-28.0% | $2,471+6.6% |
| Participant deferral / active EE | $4,746 | $3,282+44.6% | $4,371+8.6% | $3,741+26.9% |
| Admin fee / account holder | $1,139 | $4,401-74.1% | $5,948-80.8% | $5,306-78.5% |