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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 | $12,442 | $39,162-68.2% | $100,671-87.6% | $59,633-79.1% |
| Participation rate | 89.6% | 55.9%+33.7pp | 70.7%+18.9pp | 68.7%+20.9pp |
| Annual return | 4.74% | 21.07%-16.3pp | 20.43%-15.7pp | 2041.45%-2036.7pp |
| Employer contribution / active EE | $912 | $1,151-20.7% | $4,012-77.3% | $2,203-58.6% |
| Participant deferral / active EE | $1,778 | $1,992-10.8% | $3,144-43.5% | $3,192-44.3% |
| Admin fee / account holder | $2,944 | $2,969-0.9% | $4,850-39.3% | $4,297-31.5% |