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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 | $24,321 | $176,838-86.2% | $146,685-83.4% | $167,518-85.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 15.10% | 24.04%-8.9pp | 22.75%-7.6pp | 478.71%-463.6pp |
| Employer contribution / active EE | $2,837 | $5,161-45.0% | $4,137-31.4% | $4,838-41.4% |
| Participant deferral / active EE | $3,281 | $6,441-49.1% | $5,507-40.4% | $6,342-48.3% |
| Admin fee / account holder | $3,969 | $13,262-70.1% | $10,281-61.4% | $12,312-67.8% |