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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 | $7,958 | $41,016-80.6% | $152,093-94.8% | $64,097-87.6% |
| Participation rate | 94.7% | 51.3%+43.4pp | 77.8%+16.9pp | 55.2%+39.5pp |
| Annual return | 25.93% | 39.60%-13.7pp | 66.36%-40.4pp | 34.64%-8.7pp |
| Employer contribution / active EE | $1,366 | $1,342+1.7% | $4,175-67.3% | $1,891-27.8% |
| Participant deferral / active EE | $2,572 | $1,927+33.4% | $5,451-52.8% | $3,080-16.5% |
| Admin fee / account holder | $920 | $2,305-60.1% | $14,497-93.7% | $3,454-73.4% |