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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 | $38,038 | $146,267-74.0% | $197,124-80.7% | $82,448-53.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 15.66% | 29.61%-14.0pp | 44.34%-28.7pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,698 | $4,723-42.9% | $6,227-56.7% | $2,551+5.8% |
| Participant deferral / active EE | $4,388 | $7,035-37.6% | $9,135-52.0% | $4,139+6.0% |
| Admin fee / account holder | $760 | $14,422-94.7% | $16,298-95.3% | $7,234-89.5% |