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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 | $26,454 | $149,679-82.3% | $117,039-77.4% | $147,586-82.1% |
| Participation rate | 100.0% | 83.5%+16.5pp | 77.2%+22.8pp | 82.8%+17.2pp |
| Annual return | 19.51% | 19.31%+0.2pp | 18.95%+0.6pp | 578.59%-559.1pp |
| Employer contribution / active EE | $7,941 | $4,937+60.9% | $3,785+109.8% | $4,876+62.9% |
| Participant deferral / active EE | $6,094 | $4,912+24.1% | $3,929+55.1% | $5,439+12.0% |
| Admin fee / account holder | $300 | $7,856-96.2% | $5,974-95.0% | $10,886-97.2% |