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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 | $9,441 | $63,082-85.0% | $81,726-88.4% | $79,856-88.2% |
| Participation rate | 90.0% | 67.5%+22.5pp | 72.0%+18.0pp | 69.6%+20.4pp |
| Annual return | 16.09% | 22.66%-6.6pp | 29.49%-13.4pp | 31.71%-15.6pp |
| Employer contribution / active EE | $606 | $1,795-66.3% | $4,311-86.0% | $2,471-75.5% |
| Participant deferral / active EE | $1,749 | $2,780-37.1% | $7,108-75.4% | $3,741-53.2% |
| Admin fee / account holder | $397 | $4,428-91.0% | $5,160-92.3% | $5,306-92.5% |