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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 | $15,244 | $86,938-82.5% | $102,423-85.1% | $80,925-81.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 15.08% | 18.89%-3.8pp | 29.42%-14.3pp | 35.65%-20.6pp |
| Employer contribution / active EE | $1,704 | $2,369-28.1% | $3,023-43.6% | $2,756-38.2% |
| Participant deferral / active EE | $3,672 | $4,120-10.9% | $5,054-27.3% | $4,299-14.6% |
| Admin fee / account holder | $483 | $8,053-94.0% | $9,455-94.9% | $6,940-93.0% |