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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 | $20,002 | $82,028-75.6% | $123,105-83.8% | $59,633-66.5% |
| Participation rate | 100.0% | 83.2%+16.8pp | 86.8%+13.2pp | 68.7%+31.3pp |
| Annual return | 3.37% | 5.12%-1.7pp | 13.22%-9.8pp | 2041.45%-2038.1pp |
| Employer contribution / active EE | $5,387 | $3,297+63.4% | $5,151+4.6% | $2,203+144.6% |
| Participant deferral / active EE | $10,453 | $4,667+124.0% | $6,229+67.8% | $3,192+227.5% |
| Admin fee / account holder | $1,144 | $5,879-80.5% | $9,014-87.3% | $4,297-73.4% |