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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 | $26,893 | $108,825-75.3% | $156,181-82.8% | $82,448-67.4% |
| Participation rate | 98.8% | 72.4%+26.4pp | 78.8%+19.9pp | 68.1%+30.7pp |
| Annual return | 15.98% | 20.59%-4.6pp | 64.87%-48.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $2,798 | $2,870-2.5% | $4,294-34.8% | $2,551+9.7% |
| Participant deferral / active EE | $3,471 | $4,577-24.2% | $6,132-43.4% | $4,139-16.1% |
| Admin fee / account holder | $1,731 | $9,341-81.5% | $14,586-88.1% | $7,234-76.1% |