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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 | $4,970 | $87,059-94.3% | $105,608-95.3% | $80,925-93.9% |
| Participation rate | 94.3% | 70.4%+23.8pp | 75.3%+19.0pp | 67.7%+26.6pp |
| Annual return | 25.37% | 17.05%+8.3pp | 116.50%-91.1pp | 35.65%-10.3pp |
| Employer contribution / active EE | $1,704 | $2,396-28.9% | $3,167-46.2% | $2,756-38.2% |
| Participant deferral / active EE | $2,259 | $3,986-43.3% | $5,010-54.9% | $4,299-47.5% |
| Admin fee / account holder | $857 | $8,443-89.8% | $11,028-92.2% | $6,940-87.6% |