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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 | $18,768 | $135,956-86.2% | $123,894-84.9% | $273,972-93.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 5.40% | 56.63%-51.2pp | 47.52%-42.1pp | 41.46%-36.1pp |
| Employer contribution / active EE | $2,816 | $5,170-45.5% | $4,617-39.0% | $4,869-42.2% |
| Participant deferral / active EE | $3,147 | $6,343-50.4% | $5,984-47.4% | $5,287-40.5% |
| Admin fee / account holder | $783 | $9,817-92.0% | $8,357-90.6% | $10,133-92.3% |