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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 | $17,191 | $48,364-64.5% | $71,796-76.1% | $62,881-72.7% |
| Participation rate | 88.7% | 60.6%+28.1pp | 69.1%+19.6pp | 69.3%+19.4pp |
| Annual return | 10.55% | 13.16%-2.6pp | 78.04%-67.5pp | 20.14%-9.6pp |
| Employer contribution / active EE | $1,616 | $1,042+55.1% | $1,924-16.0% | $2,281-29.1% |
| Participant deferral / active EE | $2,446 | $2,091+17.0% | $2,794-12.5% | $3,203-23.6% |
| Admin fee / account holder | $576 | $3,771-84.7% | $4,815-88.0% | $4,296-86.6% |