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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 | $20,807 | $78,672-73.6% | $109,163-80.9% | $85,856-75.8% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 11.37% | 25.09%-13.7pp | 25.75%-14.4pp | 318.58%-307.2pp |
| Employer contribution / active EE | $2,506 | $2,734-8.3% | $3,723-32.7% | $2,565-2.3% |
| Participant deferral / active EE | $3,976 | $3,467+14.7% | $4,654-14.6% | $3,952+0.6% |
| Admin fee / account holder | $903 | $5,470-83.5% | $6,754-86.6% | $6,261-85.6% |