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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 | $7,344 | $87,106-91.6% | $105,607-93.0% | $80,935-90.9% |
| Participation rate | 85.4% | 70.4%+15.0pp | 75.3%+10.1pp | 67.7%+17.8pp |
| Annual return | 16.06% | 17.01%-0.9pp | 116.11%-100.0pp | 35.66%-19.6pp |
| Employer contribution / active EE | $1,515 | $2,396-36.8% | $3,167-52.2% | $2,757-45.1% |
| Participant deferral / active EE | $3,408 | $3,986-14.5% | $5,011-32.0% | $4,299-20.7% |
| Admin fee / account holder | $301 | $8,447-96.4% | $10,958-97.3% | $6,924-95.7% |