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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 | $15,879 | $72,273-78.0% | $101,275-84.3% | $79,856-80.1% |
| Participation rate | 72.0% | 68.5%+3.5pp | 75.8%-3.8pp | 69.6%+2.4pp |
| Annual return | 29.98% | 22.30%+7.7pp | 46.48%-16.5pp | 31.71%-1.7pp |
| Employer contribution / active EE | $1,372 | $2,691-49.0% | $3,660-62.5% | $2,471-44.5% |
| Participant deferral / active EE | $2,272 | $3,282-30.8% | $4,371-48.0% | $3,741-39.3% |
| Admin fee / account holder | $379 | $4,401-91.4% | $5,948-93.6% | $5,306-92.9% |