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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 | $4,631 | $58,848-92.1% | $88,179-94.7% | $82,637-94.4% |
| Participation rate | 90.8% | 57.9%+32.9pp | 69.1%+21.7pp | 68.1%+22.8pp |
| Annual return | 16.16% | 22.76%-6.6pp | 64.97%-48.8pp | 53.51%-37.3pp |
| Employer contribution / active EE | $629 | $1,678-62.5% | $2,549-75.3% | $2,552-75.3% |
| Participant deferral / active EE | $1,234 | $3,124-60.5% | $4,614-73.3% | $4,126-70.1% |
| Admin fee / account holder | $1,284 | $4,795-73.2% | $7,673-83.3% | $7,339-82.5% |