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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 | $94,436-90.6% | $115,599-92.3% | $82,637-89.3% |
| Participation rate | 88.1% | 70.4%+17.7pp | 74.3%+13.8pp | 68.1%+20.0pp |
| Annual return | 16.38% | 18.37%-2.0pp | 111.10%-94.7pp | 53.51%-37.1pp |
| Employer contribution / active EE | $1,506 | $2,324-35.2% | $2,955-49.1% | $2,552-41.0% |
| Participant deferral / active EE | $2,240 | $3,955-43.4% | $4,889-54.2% | $4,126-45.7% |
| Admin fee / account holder | $1,471 | $10,328-85.8% | $12,841-88.5% | $7,339-80.0% |