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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 | $37,033 | $138,393-73.2% | $184,256-79.9% | $80,959-54.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 14.26% | 20.01%-5.8pp | 28.85%-14.6pp | 35.67%-21.4pp |
| Employer contribution / active EE | $2,868 | $4,847-40.8% | $6,427-55.4% | $2,757+4.0% |
| Participant deferral / active EE | $7,125 | $7,076+0.7% | $9,133-22.0% | $4,300+65.7% |
| Admin fee / account holder | $4,984 | $10,489-52.5% | $13,899-64.1% | $6,925-28.0% |