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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 | $18,288 | $72,177-74.7% | $115,038-84.1% | $59,633-69.3% |
| Participation rate | 93.2% | 72.6%+20.6pp | 81.4%+11.8pp | 68.7%+24.5pp |
| Annual return | 0.42% | 12.02%-11.6pp | 26.14%-25.7pp | 2041.45%-2041.0pp |
| Employer contribution / active EE | $6,305 | $2,841+121.9% | $4,608+36.8% | $2,203+186.2% |
| Participant deferral / active EE | $6,058 | $4,783+26.7% | $6,026+0.5% | $3,192+89.8% |
| Admin fee / account holder | $2,312 | $4,927-53.1% | $8,175-71.7% | $4,297-46.2% |