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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 | $4,775 | $58,627-91.9% | $76,735-93.8% | $82,448-94.2% |
| Participation rate | 77.1% | 63.2%+13.9pp | 69.5%+7.6pp | 68.1%+9.1pp |
| Annual return | 17.95% | 39.10%-21.2pp | 29.77%-11.8pp | 41.64%-23.7pp |
| Employer contribution / active EE | $656 | $1,729-62.0% | $2,454-73.3% | $2,551-74.3% |
| Participant deferral / active EE | $1,316 | $3,134-58.0% | $4,088-67.8% | $4,139-68.2% |
| Admin fee / account holder | $1,682 | $5,323-68.4% | $7,189-76.6% | $7,234-76.8% |