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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 | $8,720 | $63,809-86.3% | $81,353-89.3% | $80,935-89.2% |
| Participation rate | 75.7% | 63.9%+11.8pp | 69.5%+6.1pp | 67.7%+8.0pp |
| Annual return | 11.22% | 16.37%-5.1pp | 24.82%-13.6pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,402 | $1,981-29.2% | $2,464-43.1% | $2,757-49.1% |
| Participant deferral / active EE | $1,739 | $3,093-43.8% | $3,885-55.2% | $4,299-59.6% |
| Admin fee / account holder | $556 | $5,686-90.2% | $5,766-90.4% | $6,924-92.0% |