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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 | $27,375 | $86,949-68.5% | $102,460-73.3% | $80,959-66.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 15.05% | 18.89%-3.8pp | 29.47%-14.4pp | 35.67%-20.6pp |
| Employer contribution / active EE | $3,460 | $2,370+46.0% | $3,025+14.4% | $2,757+25.5% |
| Participant deferral / active EE | $6,450 | $4,121+56.5% | $5,056+27.6% | $4,300+50.0% |
| Admin fee / account holder | $1,772 | $8,048-78.0% | $9,460-81.3% | $6,925-74.4% |