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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 | $6,890 | $81,331-91.5% | $155,534-95.6% | $80,935-91.5% |
| Participation rate | 86.4% | 66.3%+20.1pp | 78.2%+8.1pp | 67.7%+18.7pp |
| Annual return | 13.56% | 33.37%-19.8pp | 64.92%-51.4pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,555 | $3,105-49.9% | $4,675-66.7% | $2,757-43.6% |
| Participant deferral / active EE | $2,297 | $3,454-33.5% | $5,630-59.2% | $4,299-46.6% |
| Admin fee / account holder | $866 | $7,999-89.2% | $15,900-94.6% | $6,924-87.5% |