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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 | $7,935 | $60,349-86.9% | $74,184-89.3% | $62,881-87.4% |
| Participation rate | 80.5% | 72.7%+7.8pp | 76.6%+3.9pp | 69.3%+11.2pp |
| Annual return | 6.40% | 21.38%-15.0pp | 17.74%-11.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $823 | $1,680-51.0% | $2,370-65.3% | $2,281-63.9% |
| Participant deferral / active EE | $1,416 | $2,856-50.4% | $3,550-60.1% | $3,203-55.8% |
| Admin fee / account holder | $316 | $4,261-92.6% | $5,586-94.3% | $4,296-92.6% |