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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 | $75,541-91.7% | $152,093-95.9% | $82,637-92.4% |
| Participation rate | 90.5% | 66.5%+24.0pp | 77.8%+12.8pp | 68.1%+22.5pp |
| Annual return | 31.96% | 32.56%-0.6pp | 66.36%-34.4pp | 53.51%-21.5pp |
| Employer contribution / active EE | $1,258 | $2,622-52.0% | $4,175-69.9% | $2,552-50.7% |
| Participant deferral / active EE | $2,761 | $3,206-13.9% | $5,451-49.4% | $4,126-33.1% |
| Admin fee / account holder | $485 | $6,405-92.4% | $14,497-96.7% | $7,339-93.4% |