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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 | $9,985 | $43,075-76.8% | $74,577-86.6% | $62,881-84.1% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.1%+31.9pp | 69.3%+30.7pp |
| Annual return | 6.75% | 17.50%-10.8pp | 20.47%-13.7pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,022 | $1,498+35.0% | $2,525-19.9% | $2,281-11.4% |
| Participant deferral / active EE | $3,509 | $2,389+46.9% | $3,458+1.5% | $3,203+9.6% |
| Admin fee / account holder | $500 | $2,840-82.4% | $4,138-87.9% | $4,296-88.4% |