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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 | $6,688 | $60,349-88.9% | $74,184-91.0% | $62,881-89.4% |
| Participation rate | 71.4% | 72.7%-1.3pp | 76.6%-5.2pp | 69.3%+2.1pp |
| Annual return | 7.69% | 21.38%-13.7pp | 17.74%-10.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $347 | $1,680-79.3% | $2,370-85.4% | $2,281-84.8% |
| Participant deferral / active EE | $1,667 | $2,856-41.6% | $3,550-53.0% | $3,203-48.0% |
| Admin fee / account holder | $364 | $4,261-91.5% | $5,586-93.5% | $4,296-91.5% |