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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 | $25,970 | $181,896-85.7% | $156,551-83.4% | $273,972-90.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 7.86% | 30.74%-22.9pp | 32.23%-24.4pp | 41.46%-33.6pp |
| Employer contribution / active EE | $2,735 | $6,248-56.2% | $5,501-50.3% | $4,869-43.8% |
| Participant deferral / active EE | $3,497 | $5,550-37.0% | $4,871-28.2% | $5,287-33.9% |
| Admin fee / account holder | $2,166 | $15,560-86.1% | $13,028-83.4% | $10,133-78.6% |