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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 | $11,934 | $94,031-87.3% | $115,768-89.7% | $82,448-85.5% |
| Participation rate | 81.4% | 70.4%+10.9pp | 74.4%+7.0pp | 68.1%+13.3pp |
| Annual return | 26.93% | 20.61%+6.3pp | 100.46%-73.5pp | 41.64%-14.7pp |
| Employer contribution / active EE | $1,323 | $2,323-43.0% | $2,940-55.0% | $2,551-48.1% |
| Participant deferral / active EE | $2,892 | $3,972-27.2% | $4,917-41.2% | $4,139-30.1% |
| Admin fee / account holder | $884 | $10,249-91.4% | $12,439-92.9% | $7,234-87.8% |