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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 | $2,668 | $55,902-95.2% | $76,030-96.5% | $80,959-96.7% |
| Participation rate | 72.2% | 62.1%+10.2pp | 69.1%+3.2pp | 67.7%+4.6pp |
| Annual return | 18.59% | 20.59%-2.0pp | 361.54%-342.9pp | 35.67%-17.1pp |
| Employer contribution / active EE | $804 | $1,867-56.9% | $2,688-70.1% | $2,757-70.8% |
| Participant deferral / active EE | $1,841 | $3,051-39.7% | $4,257-56.8% | $4,300-57.2% |
| Admin fee / account holder | $342 | $5,239-93.5% | $6,421-94.7% | $6,925-95.1% |