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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 | $12,680 | $76,834-83.5% | $108,359-88.3% | $87,485-85.5% |
| Participation rate | 100.0% | 61.7%+38.3pp | 70.1%+29.9pp | 68.9%+31.1pp |
| Annual return | 15.83% | 19.09%-3.3pp | 36.89%-21.1pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,880 | $1,556+20.8% | $2,399-21.6% | $2,596-27.6% |
| Participant deferral / active EE | $1,862 | $3,100-39.9% | $4,137-55.0% | $4,274-56.4% |
| Admin fee / account holder | $4,425 | $6,537-32.3% | $9,741-54.6% | $7,775-43.1% |