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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 | $19,295 | $71,230-72.9% | $93,727-79.4% | $80,959-76.2% |
| Participation rate | 77.1% | 60.4%+16.7pp | 68.7%+8.4pp | 67.7%+9.4pp |
| Annual return | 13.76% | 11.26%+2.5pp | 133.83%-120.1pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,037 | $1,565-33.7% | $2,421-57.2% | $2,757-62.4% |
| Participant deferral / active EE | $2,045 | $4,037-49.4% | $4,417-53.7% | $4,300-52.5% |
| Admin fee / account holder | $643 | $6,961-90.8% | $8,292-92.2% | $6,925-90.7% |