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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 | $10,230 | $54,757-81.3% | $90,304-88.7% | $72,975-86.0% |
| Participation rate | 78.6% | 65.2%+13.4pp | 73.3%+5.3pp | 69.5%+9.1pp |
| Annual return | 24.78% | 30.63%-5.9pp | 78.13%-53.4pp | 81.01%-56.2pp |
| Employer contribution / active EE | $622 | $2,093-70.3% | $2,855-78.2% | $2,440-74.5% |
| Participant deferral / active EE | $1,489 | $2,887-48.4% | $3,885-61.7% | $3,608-58.7% |
| Admin fee / account holder | $1,077 | $3,973-72.9% | $5,354-79.9% | $5,124-79.0% |