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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 | $21,790 | $215,361-89.9% | $171,082-87.3% | $273,972-92.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 10.91% | 25.14%-14.2pp | 32.56%-21.6pp | 41.46%-30.5pp |
| Employer contribution / active EE | $4,679 | $4,967-5.8% | $4,002+16.9% | $4,869-3.9% |
| Participant deferral / active EE | $5,835 | $5,543+5.3% | $4,797+21.6% | $5,287+10.4% |
| Admin fee / account holder | $467 | $10,846-95.7% | $8,520-94.5% | $10,133-95.4% |