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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 | $14,867 | $81,457-81.7% | $103,378-85.6% | $80,911-81.6% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 24.03% | 25.58%-1.5pp | 24.91%-0.9pp | 35.63%-11.6pp |
| Employer contribution / active EE | $2,454 | $3,107-21.0% | $3,870-36.6% | $2,756-11.0% |
| Participant deferral / active EE | $3,579 | $3,871-7.5% | $5,058-29.2% | $4,297-16.7% |
| Admin fee / account holder | $760 | $6,717-88.7% | $8,401-90.9% | $6,935-89.0% |