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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 | $28,134 | $181,896-84.5% | $156,551-82.0% | $273,972-89.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 8.29% | 30.74%-22.4pp | 32.23%-23.9pp | 41.46%-33.2pp |
| Employer contribution / active EE | $11,469 | $6,248+83.6% | $5,501+108.5% | $4,869+135.6% |
| Participant deferral / active EE | $2,844 | $5,550-48.7% | $4,871-41.6% | $5,287-46.2% |
| Admin fee / account holder | $2,556 | $15,560-83.6% | $13,028-80.4% | $10,133-74.8% |