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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 | $17,342 | $65,367-73.5% | $92,915-81.3% | $72,976-76.2% |
| Participation rate | 81.1% | 68.3%+12.8pp | 76.0%+5.1pp | 69.5%+11.6pp |
| Annual return | 21.82% | 42.11%-20.3pp | 109.45%-87.6pp | 81.02%-59.2pp |
| Employer contribution / active EE | $1,103 | $2,594-57.5% | $3,653-69.8% | $2,440-54.8% |
| Participant deferral / active EE | $2,564 | $3,128-18.0% | $4,238-39.5% | $3,608-28.9% |
| Admin fee / account holder | $503 | $4,251-88.2% | $5,796-91.3% | $5,124-90.2% |