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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 | $20,250 | $93,598-78.4% | $135,974-85.1% | $75,173-73.1% |
| Participation rate | 83.3% | 75.2%+8.1pp | 81.9%+1.4pp | 67.2%+16.1pp |
| Annual return | 21.10% | 30.89%-9.8pp | 68.30%-47.2pp | 160.72%-139.6pp |
| Employer contribution / active EE | $965 | $3,538-72.7% | $4,859-80.1% | $2,671-63.9% |
| Participant deferral / active EE | $4,106 | $6,405-35.9% | $7,760-47.1% | $4,126-0.5% |
| Admin fee / account holder | $743 | $6,978-89.4% | $10,767-93.1% | $5,651-86.9% |