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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 | $19,105 | $79,961-76.1% | $98,462-80.6% | $75,177-74.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.2%+24.8pp | 67.2%+32.8pp |
| Annual return | 14.82% | 19.75%-4.9pp | 21.17%-6.4pp | 160.75%-145.9pp |
| Employer contribution / active EE | $2,171 | $2,264-4.1% | $3,049-28.8% | $2,671-18.7% |
| Participant deferral / active EE | $2,967 | $3,753-20.9% | $4,738-37.4% | $4,126-28.1% |
| Admin fee / account holder | $3,995 | $6,842-41.6% | $8,875-55.0% | $5,651-29.3% |