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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 | $18,210 | $81,446-77.6% | $103,374-82.4% | $80,874-77.5% |
| Participation rate | 96.7% | 66.9%+29.8pp | 74.5%+22.2pp | 67.6%+29.0pp |
| Annual return | 14.60% | 25.57%-11.0pp | 24.89%-10.3pp | 35.62%-21.0pp |
| Employer contribution / active EE | $7,597 | $3,107+144.5% | $3,869+96.3% | $2,756+175.7% |
| Participant deferral / active EE | $2,501 | $3,870-35.4% | $5,058-50.6% | $4,297-41.8% |
| Admin fee / account holder | $380 | $6,715-94.3% | $8,394-95.5% | $6,935-94.5% |