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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 | $3,986 | $77,896-94.9% | $134,172-97.0% | $82,448-95.2% |
| Participation rate | 78.1% | 62.8%+15.3pp | 72.5%+5.7pp | 68.1%+10.1pp |
| Annual return | 22.64% | 18.21%+4.4pp | 25.30%-2.7pp | 41.64%-19.0pp |
| Employer contribution / active EE | $1,112 | $2,159-48.5% | $3,420-67.5% | $2,551-56.4% |
| Participant deferral / active EE | $1,433 | $3,162-54.7% | $4,690-69.5% | $4,139-65.4% |
| Admin fee / account holder | $416 | $6,336-93.4% | $12,016-96.5% | $7,234-94.3% |