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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 | $32,745 | $110,137-70.3% | $161,149-79.7% | $82,637-60.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 18.68% | 20.69%-2.0pp | 21.16%-2.5pp | 53.51%-34.8pp |
| Employer contribution / active EE | $3,174 | $2,856+11.1% | $4,360-27.2% | $2,552+24.4% |
| Participant deferral / active EE | $7,856 | $4,575+71.7% | $6,153+27.7% | $4,126+90.4% |
| Admin fee / account holder | $1,196 | $9,467-87.4% | $15,194-92.1% | $7,339-83.7% |