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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 | $7,706 | $68,878-88.8% | $120,574-93.6% | $80,935-90.5% |
| Participation rate | 85.0% | 61.7%+23.3pp | 71.9%+13.1pp | 67.7%+17.3pp |
| Annual return | 10.84% | 23.67%-12.8pp | 107.42%-96.6pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,007 | $2,065-51.2% | $3,471-71.0% | $2,757-63.5% |
| Participant deferral / active EE | $2,444 | $3,189-23.4% | $4,996-51.1% | $4,299-43.2% |
| Admin fee / account holder | $2,582 | $5,782-55.3% | $9,445-72.7% | $6,924-62.7% |