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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 | $14,689 | $161,352-90.9% | $134,172-89.1% | $137,256-89.3% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 12.25% | 28.72%-16.5pp | 25.30%-13.0pp | 220.34%-208.1pp |
| Employer contribution / active EE | $1,204 | $4,099-70.6% | $3,420-64.8% | $4,156-71.0% |
| Participant deferral / active EE | $2,201 | $5,552-60.4% | $4,690-53.1% | $6,407-65.6% |
| Admin fee / account holder | $969 | $15,028-93.6% | $12,016-91.9% | $12,270-92.1% |