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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 | $10,590 | $106,247-90.0% | $96,515-89.0% | $139,466-92.4% |
| Participation rate | 95.2% | 77.8%+17.4pp | 74.3%+20.9pp | 80.3%+14.9pp |
| Annual return | 11.98% | 38.47%-26.5pp | 35.73%-23.7pp | 373.66%-361.7pp |
| Employer contribution / active EE | $808 | $4,106-80.3% | $3,740-78.4% | $4,754-83.0% |
| Participant deferral / active EE | $2,578 | $5,456-52.7% | $4,880-47.2% | $6,712-61.6% |
| Admin fee / account holder | $2,028 | $7,885-74.3% | $6,735-69.9% | $11,409-82.2% |