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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 | $7,050 | $59,440-88.1% | $78,004-91.0% | $82,637-91.5% |
| Participation rate | 86.3% | 62.8%+23.5pp | 69.4%+16.9pp | 68.1%+18.2pp |
| Annual return | 20.77% | 40.24%-19.5pp | 31.07%-10.3pp | 53.51%-32.7pp |
| Employer contribution / active EE | $954 | $1,750-45.5% | $2,469-61.3% | $2,552-62.6% |
| Participant deferral / active EE | $1,690 | $3,138-46.1% | $4,092-58.7% | $4,126-59.0% |
| Admin fee / account holder | $982 | $5,504-82.2% | $7,578-87.0% | $7,339-86.6% |