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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 | $31,956 | $97,550-67.2% | $120,344-73.4% | $87,485-63.5% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 15.34% | 18.41%-3.1pp | 20.30%-5.0pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,785 | $2,291-22.1% | $3,020-40.9% | $2,596-31.2% |
| Participant deferral / active EE | $2,232 | $4,230-47.2% | $5,135-56.5% | $4,274-47.8% |
| Admin fee / account holder | $6,392 | $9,543-33.0% | $12,742-49.8% | $7,775-17.8% |