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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 | $23,489 | $177,156-86.7% | $147,027-84.0% | $154,746-84.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 16.68% | 21.94%-5.3pp | 20.23%-3.6pp | 172.34%-155.7pp |
| Employer contribution / active EE | $6,181 | $4,336+42.5% | $3,626+70.5% | $4,379+41.2% |
| Participant deferral / active EE | $12,283 | $5,797+111.9% | $4,933+149.0% | $6,730+82.5% |
| Admin fee / account holder | $441 | $14,904-97.0% | $12,223-96.4% | $14,365-96.9% |