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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 | $12,117 | $58,828-79.4% | $78,002-84.5% | $62,881-80.7% |
| Participation rate | 82.4% | 71.1%+11.3pp | 75.5%+6.8pp | 69.3%+13.0pp |
| Annual return | 7.48% | 17.16%-9.7pp | 425.99%-418.5pp | 20.14%-12.7pp |
| Employer contribution / active EE | $897 | $1,672-46.3% | $2,470-63.7% | $2,281-60.7% |
| Participant deferral / active EE | $1,339 | $2,686-50.1% | $3,497-61.7% | $3,203-58.2% |
| Admin fee / account holder | $581 | $4,393-86.8% | $5,481-89.4% | $4,296-86.5% |