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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 | $28,955 | $123,478-76.6% | $216,567-86.6% | $94,015-69.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 81.6%+18.4pp | 70.8%+29.2pp |
| Annual return | 16.16% | 23.61%-7.4pp | 12.94%+3.2pp | 17.84%-1.7pp |
| Employer contribution / active EE | $3,488 | $3,136+11.2% | $5,216-33.1% | $2,790+25.0% |
| Participant deferral / active EE | $4,218 | $4,556-7.4% | $6,191-31.9% | $4,249-0.7% |
| Admin fee / account holder | $4,320 | $12,753-66.1% | $21,981-80.3% | $8,951-51.7% |