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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 | $28,884 | $69,511-58.4% | $94,664-69.5% | $71,511-59.6% |
| Participation rate | 93.3% | 78.4%+14.8pp | 80.8%+12.4pp | 67.9%+25.3pp |
| Annual return | 20.14% | 29.67%-9.5pp | 156.84%-136.7pp | 28.86%-8.7pp |
| Employer contribution / active EE | $3,400 | $2,853+19.2% | $3,673-7.4% | $2,589+31.3% |
| Participant deferral / active EE | $10,544 | $7,348+43.5% | $7,417+42.2% | $4,291+145.8% |
| Admin fee / account holder | $6,186 | $1,211+410.9% | $7,222-14.3% | $1,588+289.4% |