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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 | $10,435 | $78,027-86.6% | $178,528-94.2% | $80,925-87.1% |
| Participation rate | 92.1% | 65.7%+26.4pp | 77.1%+15.0pp | 67.7%+24.4pp |
| Annual return | 13.60% | 18.09%-4.5pp | 27.11%-13.5pp | 35.65%-22.0pp |
| Employer contribution / active EE | $1,093 | $2,281-52.1% | $3,950-72.3% | $2,756-60.3% |
| Participant deferral / active EE | $4,106 | $4,408-6.9% | $6,278-34.6% | $4,299-4.5% |
| Admin fee / account holder | $660 | $7,168-90.8% | $10,419-93.7% | $6,940-90.5% |