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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 | $12,542 | $101,798-87.7% | $165,071-92.4% | $80,935-84.5% |
| Participation rate | 89.2% | 71.8%+17.4pp | 78.6%+10.6pp | 67.7%+21.5pp |
| Annual return | 14.36% | 16.73%-2.4pp | 70.17%-55.8pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,619 | $2,954-45.2% | $4,347-62.8% | $2,757-41.3% |
| Participant deferral / active EE | $3,630 | $4,476-18.9% | $6,035-39.8% | $4,299-15.6% |
| Admin fee / account holder | $2,508 | $8,221-69.5% | $12,695-80.2% | $6,924-63.8% |