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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 | $13,734 | $106,749-87.1% | $145,433-90.6% | $82,448-83.3% |
| Participation rate | 98.6% | 75.6%+22.9pp | 82.1%+16.5pp | 68.1%+30.5pp |
| Annual return | 35.30% | 27.59%+7.7pp | 66.58%-31.3pp | 41.64%-6.3pp |
| Employer contribution / active EE | $2,411 | $3,444-30.0% | $4,554-47.1% | $2,551-5.5% |
| Participant deferral / active EE | $8,053 | $6,519+23.5% | $7,897+2.0% | $4,139+94.6% |
| Admin fee / account holder | $431 | $8,390-94.9% | $13,129-96.7% | $7,234-94.0% |