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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 | $6,989 | $57,119-87.8% | $85,187-91.8% | $80,935-91.4% |
| Participation rate | 74.5% | 56.4%+18.1pp | 67.5%+7.0pp | 67.7%+6.8pp |
| Annual return | 10.89% | 21.70%-10.8pp | 66.67%-55.8pp | 35.66%-24.8pp |
| Employer contribution / active EE | $426 | $1,802-76.3% | $2,732-84.4% | $2,757-84.5% |
| Participant deferral / active EE | $1,488 | $3,115-52.2% | $4,525-67.1% | $4,299-65.4% |
| Admin fee / account holder | $919 | $4,990-81.6% | $6,162-85.1% | $6,924-86.7% |