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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 | $10,059 | $112,729-91.1% | $98,716-89.8% | $137,256-92.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 17.82% | 38.48%-20.7pp | 31.81%-14.0pp | 220.34%-202.5pp |
| Employer contribution / active EE | $978 | $2,725-64.1% | $2,279-57.1% | $4,156-76.5% |
| Participant deferral / active EE | $1,669 | $4,640-64.0% | $4,048-58.8% | $6,407-73.9% |
| Admin fee / account holder | $2,316 | $10,129-77.1% | $8,703-73.4% | $12,270-81.1% |