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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 | $21,047 | $65,027-67.6% | $90,970-76.9% | $79,852-73.6% |
| Participation rate | 98.6% | 61.6%+37.0pp | 69.0%+29.6pp | 69.6%+29.0pp |
| Annual return | 17.18% | 30.45%-13.3pp | 134.58%-117.4pp | 31.72%-14.5pp |
| Employer contribution / active EE | $694 | $1,247-44.3% | $2,122-67.3% | $2,471-71.9% |
| Participant deferral / active EE | $3,719 | $2,512+48.1% | $3,373+10.3% | $3,740-0.6% |
| Admin fee / account holder | $1,030 | $4,535-77.3% | $5,960-82.7% | $5,306-80.6% |