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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 | $9,910 | $96,558-89.7% | $80,977-87.8% | $273,972-96.4% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 6.76% | 15.14%-8.4pp | 17.11%-10.3pp | 41.46%-34.7pp |
| Employer contribution / active EE | $2,407 | $4,869-50.6% | $3,715-35.2% | $4,869-50.6% |
| Participant deferral / active EE | $2,812 | $6,598-57.4% | $5,696-50.6% | $5,287-46.8% |
| Admin fee / account holder | $682 | $7,493-90.9% | $5,517-87.6% | $10,133-93.3% |