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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 | $97,648-87.8% | $121,663-90.2% | $87,485-86.4% |
| Participation rate | 81.4% | 70.5%+10.9pp | 74.5%+6.9pp | 68.9%+12.4pp |
| Annual return | 26.93% | 18.03%+8.9pp | 147.54%-120.6pp | 26.06%+0.9pp |
| Employer contribution / active EE | $1,323 | $2,300-42.5% | $3,020-56.2% | $2,596-49.0% |
| Participant deferral / active EE | $2,892 | $3,923-26.3% | $4,887-40.8% | $4,274-32.3% |
| Admin fee / account holder | $884 | $11,100-92.0% | $14,289-93.8% | $7,775-88.6% |