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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 | $1,946 | $51,222-96.2% | $70,544-97.2% | $75,173-97.4% |
| Participation rate | 76.9% | 61.0%+16.0pp | 68.4%+8.6pp | 67.2%+9.7pp |
| Annual return | 45.88% | 30.06%+15.8pp | 32.79%+13.1pp | 160.72%-114.8pp |
| Employer contribution / active EE | $656 | $1,827-64.1% | $2,976-78.0% | $2,671-75.5% |
| Participant deferral / active EE | $1,514 | $2,850-46.9% | $4,568-66.9% | $4,126-63.3% |
| Admin fee / account holder | $381 | $4,096-90.7% | $6,427-94.1% | $5,651-93.3% |