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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 | $25,702 | $123,793-79.2% | $177,848-85.5% | $79,856-67.8% |
| Participation rate | 95.9% | 84.7%+11.3pp | 87.7%+8.2pp | 69.6%+26.3pp |
| Annual return | 15.77% | 22.82%-7.1pp | 48.33%-32.6pp | 31.71%-15.9pp |
| Employer contribution / active EE | $1,383 | $4,095-66.2% | $5,919-76.6% | $2,471-44.0% |
| Participant deferral / active EE | $5,347 | $5,956-10.2% | $7,714-30.7% | $3,741+42.9% |
| Admin fee / account holder | $2,194 | $7,243-69.7% | $12,431-82.3% | $5,306-58.6% |