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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 | $12,156 | $47,944-74.6% | $67,834-82.1% | $62,881-80.7% |
| Participation rate | 79.3% | 61.1%+18.2pp | 68.8%+10.5pp | 69.3%+10.0pp |
| Annual return | 5.92% | 11.77%-5.8pp | 138.47%-132.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $517 | $1,562-66.9% | $2,403-78.5% | $2,281-77.3% |
| Participant deferral / active EE | $1,104 | $2,247-50.9% | $3,160-65.1% | $3,203-65.5% |
| Admin fee / account holder | $886 | $3,712-76.1% | $4,622-80.8% | $4,296-79.4% |