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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 | $8,601 | $56,894-84.9% | $84,753-89.9% | $62,881-86.3% |
| Participation rate | 80.9% | 68.5%+12.3pp | 76.6%+4.3pp | 69.3%+11.5pp |
| Annual return | 8.60% | 6.30%+2.3pp | 22.78%-14.2pp | 20.14%-11.5pp |
| Employer contribution / active EE | $1,558 | $2,400-35.1% | $3,574-56.4% | $2,281-31.7% |
| Participant deferral / active EE | $1,075 | $2,709-60.3% | $3,712-71.0% | $3,203-66.4% |
| Admin fee / account holder | $532 | $3,581-85.1% | $5,333-90.0% | $4,296-87.6% |