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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 | $40,350 | $123,793-67.4% | $177,848-77.3% | $79,856-49.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.7%+12.3pp | 69.6%+30.4pp |
| Annual return | 26.28% | 22.82%+3.5pp | 48.33%-22.0pp | 31.71%-5.4pp |
| Employer contribution / active EE | $4,934 | $4,095+20.5% | $5,919-16.6% | $2,471+99.6% |
| Participant deferral / active EE | $8,990 | $5,956+50.9% | $7,714+16.5% | $3,741+140.3% |
| Admin fee / account holder | $1,181 | $7,243-83.7% | $12,431-90.5% | $5,306-77.7% |