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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 | $3,088 | $58,627-94.7% | $76,735-96.0% | $82,448-96.3% |
| Participation rate | 92.2% | 63.2%+28.9pp | 69.5%+22.7pp | 68.1%+24.1pp |
| Annual return | 20.26% | 39.10%-18.8pp | 29.77%-9.5pp | 41.64%-21.4pp |
| Employer contribution / active EE | $898 | $1,729-48.1% | $2,454-63.4% | $2,551-64.8% |
| Participant deferral / active EE | $1,545 | $3,134-50.7% | $4,088-62.2% | $4,139-62.7% |
| Admin fee / account holder | $652 | $5,323-87.8% | $7,189-90.9% | $7,234-91.0% |