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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 | $27,419 | $153,769-82.2% | $133,975-79.5% | $273,972-90.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 7.50% | 36.51%-29.0pp | 29.29%-21.8pp | 41.46%-34.0pp |
| Employer contribution / active EE | $5,395 | $6,029-10.5% | $5,211+3.5% | $4,869+10.8% |
| Participant deferral / active EE | $4,023 | $6,958-42.2% | $6,282-36.0% | $5,287-23.9% |
| Admin fee / account holder | $443 | $11,765-96.2% | $9,324-95.3% | $10,133-95.6% |