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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 | $86,919-82.5% | $102,457-85.1% | $80,911-81.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 15.08% | 18.90%-3.8pp | 29.41%-14.3pp | 35.63%-20.6pp |
| Employer contribution / active EE | $1,704 | $2,368-28.0% | $3,022-43.6% | $2,756-38.2% |
| Participant deferral / active EE | $3,672 | $4,119-10.8% | $5,054-27.3% | $4,297-14.5% |
| Admin fee / account holder | $483 | $8,049-94.0% | $9,451-94.9% | $6,935-93.0% |