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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 | $8,006 | $65,367-87.8% | $92,915-91.4% | $72,976-89.0% |
| Participation rate | 74.4% | 68.3%+6.1pp | 76.0%-1.6pp | 69.5%+4.9pp |
| Annual return | 21.98% | 42.11%-20.1pp | 109.45%-87.5pp | 81.02%-59.0pp |
| Employer contribution / active EE | $1,092 | $2,594-57.9% | $3,653-70.1% | $2,440-55.2% |
| Participant deferral / active EE | $1,785 | $3,128-42.9% | $4,238-57.9% | $3,608-50.5% |
| Admin fee / account holder | $505 | $4,251-88.1% | $5,796-91.3% | $5,124-90.1% |