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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 | $23,717 | $98,776-76.0% | $149,745-84.2% | $79,856-70.3% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 14.69% | 27.38%-12.7pp | 276.72%-262.0pp | 31.71%-17.0pp |
| Employer contribution / active EE | $3,823 | $3,217+18.8% | $4,646-17.7% | $2,471+54.7% |
| Participant deferral / active EE | $5,834 | $5,681+2.7% | $6,843-14.7% | $3,741+56.0% |
| Admin fee / account holder | $8,058 | $6,053+33.1% | $9,312-13.5% | $5,306+51.9% |