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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 | $101,950-91.0% | $125,529-92.7% | $86,983-89.5% |
| Participation rate | 79.6% | 70.2%+9.5pp | 74.7%+4.9pp | 69.5%+10.1pp |
| Annual return | 16.99% | 18.29%-1.3pp | 202.56%-185.6pp | 25.83%-8.8pp |
| Employer contribution / active EE | $888 | $2,358-62.3% | $3,058-71.0% | $2,584-65.6% |
| Participant deferral / active EE | $1,882 | $3,862-51.3% | $4,813-60.9% | $4,194-55.1% |
| Admin fee / account holder | $804 | $12,791-93.7% | $16,298-95.1% | $7,856-89.8% |