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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 | $7,681 | $93,598-91.8% | $135,974-94.4% | $75,173-89.8% |
| Participation rate | 88.5% | 75.2%+13.3pp | 81.9%+6.6pp | 67.2%+21.3pp |
| Annual return | 29.39% | 30.89%-1.5pp | 68.30%-38.9pp | 160.72%-131.3pp |
| Employer contribution / active EE | $1,439 | $3,538-59.3% | $4,859-70.4% | $2,671-46.1% |
| Participant deferral / active EE | $2,961 | $6,405-53.8% | $7,760-61.8% | $4,126-28.3% |
| Admin fee / account holder | $713 | $6,978-89.8% | $10,767-93.4% | $5,651-87.4% |