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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 | $6,235 | $58,627-89.4% | $76,735-91.9% | $82,448-92.4% |
| Participation rate | 79.4% | 63.2%+16.2pp | 69.5%+9.9pp | 68.1%+11.3pp |
| Annual return | 18.97% | 39.10%-20.1pp | 29.77%-10.8pp | 41.64%-22.7pp |
| Employer contribution / active EE | $600 | $1,729-65.3% | $2,454-75.5% | $2,551-76.5% |
| Participant deferral / active EE | $1,345 | $3,134-57.1% | $4,088-67.1% | $4,139-67.5% |
| Admin fee / account holder | $1,304 | $5,323-75.5% | $7,189-81.9% | $7,234-82.0% |