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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 | $18,379 | $73,978-75.2% | $96,515-81.0% | $75,173-75.6% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 29.95% | 26.72%+3.2pp | 35.73%-5.8pp | 160.72%-130.8pp |
| Employer contribution / active EE | $4,217 | $2,931+43.9% | $3,740+12.8% | $2,671+57.9% |
| Participant deferral / active EE | $7,949 | $3,660+117.2% | $4,880+62.9% | $4,126+92.6% |
| Admin fee / account holder | $450 | $5,219-91.4% | $6,735-93.3% | $5,651-92.0% |