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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 | $108,825-73.4% | $156,181-81.5% | $82,448-64.9% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 16.16% | 20.59%-4.4pp | 64.87%-48.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $3,488 | $2,870+21.5% | $4,294-18.8% | $2,551+36.7% |
| Participant deferral / active EE | $4,218 | $4,577-7.9% | $6,132-31.2% | $4,139+1.9% |
| Admin fee / account holder | $4,320 | $9,341-53.7% | $14,586-70.4% | $7,234-40.3% |