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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 | $16,803 | $96,558-82.6% | $80,977-79.2% | $273,972-93.9% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 5.42% | 15.14%-9.7pp | 17.11%-11.7pp | 41.46%-36.0pp |
| Employer contribution / active EE | $2,608 | $4,869-46.4% | $3,715-29.8% | $4,869-46.4% |
| Participant deferral / active EE | $6,116 | $6,598-7.3% | $5,696+7.4% | $5,287+15.7% |
| Admin fee / account holder | $767 | $7,493-89.8% | $5,517-86.1% | $10,133-92.4% |