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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 | $22,869 | $106,749-78.6% | $145,433-84.3% | $82,448-72.3% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 32.42% | 27.59%+4.8pp | 66.58%-34.2pp | 41.64%-9.2pp |
| Employer contribution / active EE | $4,156 | $3,444+20.6% | $4,554-8.8% | $2,551+62.9% |
| Participant deferral / active EE | $8,711 | $6,519+33.6% | $7,897+10.3% | $4,139+110.4% |
| Admin fee / account holder | $1,479 | $8,390-82.4% | $13,129-88.7% | $7,234-79.6% |