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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 | $7,572 | $81,504-90.7% | $102,437-92.6% | $80,959-90.6% |
| Participation rate | 89.3% | 66.9%+22.4pp | 74.5%+14.8pp | 67.7%+21.6pp |
| Annual return | 11.25% | 25.60%-14.3pp | 24.95%-13.7pp | 35.67%-24.4pp |
| Employer contribution / active EE | $1,442 | $3,104-53.5% | $3,871-62.7% | $2,757-47.7% |
| Participant deferral / active EE | $4,357 | $3,871+12.6% | $5,060-13.9% | $4,300+1.3% |
| Admin fee / account holder | $1,180 | $6,719-82.4% | $8,388-85.9% | $6,925-83.0% |