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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 | $77,574-83.7% | $108,753-88.3% | $86,983-85.4% |
| Participation rate | 100.0% | 62.3%+37.7pp | 71.1%+28.9pp | 69.5%+30.5pp |
| Annual return | 15.83% | 18.42%-2.6pp | 37.47%-21.6pp | 25.83%-10.0pp |
| Employer contribution / active EE | $1,880 | $1,611+16.7% | $2,427-22.5% | $2,584-27.3% |
| Participant deferral / active EE | $1,862 | $3,128-40.5% | $4,115-54.8% | $4,194-55.6% |
| Admin fee / account holder | $4,425 | $6,529-32.2% | $10,320-57.1% | $7,856-43.7% |