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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 | $15,693 | $81,504-80.7% | $102,437-84.7% | $80,959-80.6% |
| Participation rate | 76.0% | 66.9%+9.1pp | 74.5%+1.5pp | 67.7%+8.3pp |
| Annual return | 10.84% | 25.60%-14.8pp | 24.95%-14.1pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,000 | $3,104-67.8% | $3,871-74.2% | $2,757-63.7% |
| Participant deferral / active EE | $1,992 | $3,871-48.5% | $5,060-60.6% | $4,300-53.7% |
| Admin fee / account holder | $2,163 | $6,719-67.8% | $8,388-74.2% | $6,925-68.8% |