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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 | $11,661 | $56,110-79.2% | $94,993-87.7% | $70,126-83.4% |
| Participation rate | 76.9% | 65.0%+11.9pp | 73.9%+3.0pp | 69.5%+7.4pp |
| Annual return | 20.15% | 51.02%-30.9pp | 27.14%-7.0pp | 73.15%-53.0pp |
| Employer contribution / active EE | $1,275 | $1,442-11.6% | $2,603-51.0% | $2,343-45.6% |
| Participant deferral / active EE | $2,724 | $2,391+13.9% | $3,317-17.9% | $3,332-18.3% |
| Admin fee / account holder | $829 | $3,456-76.0% | $4,960-83.3% | $4,645-82.1% |