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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 | $11,159 | $88,707-87.4% | $74,184-85.0% | $273,972-95.9% |
| Participation rate | 86.7% | 79.4%+7.2pp | 76.6%+10.0pp | 83.0%+3.7pp |
| Annual return | 8.33% | 11.94%-3.6pp | 17.74%-9.4pp | 41.46%-33.1pp |
| Employer contribution / active EE | $1,634 | $3,159-48.3% | $2,370-31.1% | $4,869-66.4% |
| Participant deferral / active EE | $2,721 | $4,212-35.4% | $3,550-23.4% | $5,287-48.5% |
| Admin fee / account holder | $455 | $8,717-94.8% | $5,586-91.8% | $10,133-95.5% |