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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 | $6,244 | $77,814-92.0% | $158,223-96.1% | $86,983-92.8% |
| Participation rate | 90.5% | 68.4%+22.1pp | 79.2%+11.3pp | 69.5%+21.0pp |
| Annual return | 31.96% | 30.54%+1.4pp | 52.09%-20.1pp | 25.83%+6.1pp |
| Employer contribution / active EE | $1,258 | $2,592-51.5% | $4,109-69.4% | $2,584-51.3% |
| Participant deferral / active EE | $2,761 | $3,270-15.6% | $5,467-49.5% | $4,194-34.2% |
| Admin fee / account holder | $485 | $5,879-91.8% | $16,047-97.0% | $7,856-93.8% |