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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 | $23,422 | $71,878-67.4% | $86,698-73.0% | $68,486-65.8% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | 17.73% | 3.53%+14.2pp | 35.95%-18.2pp | -7.85%+25.6pp |
| Employer contribution / active EE | $3,675 | $2,173+69.1% | $2,837+29.6% | $2,597+41.5% |
| Participant deferral / active EE | $8,767 | $3,779+132.0% | $4,656+88.3% | $4,028+117.7% |
| Admin fee / account holder | $1,703 | $6,113-72.1% | $7,493-77.3% | $5,404-68.5% |