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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 | $57,061-87.8% | $85,063-91.8% | $80,911-91.4% |
| Participation rate | 74.5% | 56.3%+18.1pp | 67.5%+7.0pp | 67.6%+6.8pp |
| Annual return | 10.89% | 21.66%-10.8pp | 66.54%-55.6pp | 35.63%-24.7pp |
| Employer contribution / active EE | $426 | $1,799-76.3% | $2,727-84.4% | $2,756-84.5% |
| Participant deferral / active EE | $1,488 | $3,110-52.2% | $4,523-67.1% | $4,297-65.4% |
| Admin fee / account holder | $919 | $4,986-81.6% | $6,155-85.1% | $6,935-86.7% |