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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 | $29,259 | $101,795-71.3% | $165,100-82.3% | $80,959-63.9% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 15.29% | 16.73%-1.4pp | 70.21%-54.9pp | 35.67%-20.4pp |
| Employer contribution / active EE | $2,472 | $2,954-16.3% | $4,348-43.1% | $2,757-10.3% |
| Participant deferral / active EE | $4,170 | $4,476-6.8% | $6,035-30.9% | $4,300-3.0% |
| Admin fee / account holder | $2,193 | $8,221-73.3% | $12,696-82.7% | $6,925-68.3% |