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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 | $8,858 | $94,031-90.6% | $115,768-92.3% | $82,448-89.3% |
| Participation rate | 88.1% | 70.4%+17.7pp | 74.4%+13.7pp | 68.1%+20.0pp |
| Annual return | 16.38% | 20.61%-4.2pp | 100.46%-84.1pp | 41.64%-25.3pp |
| Employer contribution / active EE | $1,506 | $2,323-35.2% | $2,940-48.8% | $2,551-41.0% |
| Participant deferral / active EE | $2,240 | $3,972-43.6% | $4,917-54.4% | $4,139-45.9% |
| Admin fee / account holder | $1,471 | $10,249-85.7% | $12,439-88.2% | $7,234-79.7% |