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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 | $7,255 | $112,729-93.6% | $98,716-92.7% | $137,256-94.7% |
| Participation rate | 78.6% | 74.2%+4.3pp | 69.3%+9.3pp | 80.0%-1.4pp |
| Annual return | 13.28% | 38.48%-25.2pp | 31.81%-18.5pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,046 | $2,725-61.6% | $2,279-54.1% | $4,156-74.8% |
| Participant deferral / active EE | $1,164 | $4,640-74.9% | $4,048-71.2% | $6,407-81.8% |
| Admin fee / account holder | $791 | $10,129-92.2% | $8,703-90.9% | $12,270-93.6% |