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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 | $9,130 | $94,031-90.3% | $115,768-92.1% | $82,448-88.9% |
| Participation rate | 79.6% | 70.4%+9.2pp | 74.4%+5.2pp | 68.1%+11.6pp |
| Annual return | 16.99% | 20.61%-3.6pp | 100.46%-83.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $888 | $2,323-61.8% | $2,940-69.8% | $2,551-65.2% |
| Participant deferral / active EE | $1,882 | $3,972-52.6% | $4,917-61.7% | $4,139-54.5% |
| Admin fee / account holder | $804 | $10,249-92.2% | $12,439-93.5% | $7,234-88.9% |