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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 | $8,186 | $57,073-85.7% | $85,126-90.4% | $80,925-89.9% |
| Participation rate | 78.2% | 56.4%+21.8pp | 67.5%+10.7pp | 67.7%+10.5pp |
| Annual return | 15.07% | 21.69%-6.6pp | 66.63%-51.6pp | 35.65%-20.6pp |
| Employer contribution / active EE | $885 | $1,801-50.9% | $2,731-67.6% | $2,756-67.9% |
| Participant deferral / active EE | $2,724 | $3,113-12.5% | $4,523-39.8% | $4,299-36.6% |
| Admin fee / account holder | $698 | $4,988-86.0% | $6,160-88.7% | $6,940-89.9% |