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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 | $6,760 | $67,894-90.0% | $89,340-92.4% | $82,448-91.8% |
| Participation rate | 83.3% | 64.0%+19.3pp | 69.6%+13.8pp | 68.1%+15.3pp |
| Annual return | 24.74% | 19.21%+5.5pp | 20.57%+4.2pp | 41.64%-16.9pp |
| Employer contribution / active EE | $920 | $1,828-49.7% | $2,231-58.8% | $2,551-63.9% |
| Participant deferral / active EE | $1,605 | $3,072-47.8% | $3,823-58.0% | $4,139-61.2% |
| Admin fee / account holder | $519 | $5,723-90.9% | $6,704-92.3% | $7,234-92.8% |