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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 | $2,359 | $59,440-96.0% | $78,004-97.0% | $82,637-97.1% |
| Participation rate | 80.6% | 62.8%+17.7pp | 69.4%+11.1pp | 68.1%+12.5pp |
| Annual return | 19.19% | 40.24%-21.0pp | 31.07%-11.9pp | 53.51%-34.3pp |
| Employer contribution / active EE | $430 | $1,750-75.4% | $2,469-82.6% | $2,552-83.1% |
| Participant deferral / active EE | $1,181 | $3,138-62.4% | $4,092-71.1% | $4,126-71.4% |
| Admin fee / account holder | $656 | $5,504-88.1% | $7,578-91.3% | $7,339-91.1% |