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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 | $8,695 | $65,364-86.7% | $92,909-90.6% | $72,975-88.1% |
| Participation rate | 75.5% | 68.3%+7.2pp | 76.0%-0.5pp | 69.5%+6.0pp |
| Annual return | 26.82% | 42.11%-15.3pp | 109.44%-82.6pp | 81.01%-54.2pp |
| Employer contribution / active EE | $2,200 | $2,594-15.2% | $3,653-39.8% | $2,440-9.8% |
| Participant deferral / active EE | $2,912 | $3,128-6.9% | $4,238-31.3% | $3,608-19.3% |
| Admin fee / account holder | $477 | $4,251-88.8% | $5,795-91.8% | $5,124-90.7% |