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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 | $2,918 | $58,627-95.0% | $76,735-96.2% | $82,448-96.5% |
| Participation rate | 93.2% | 63.2%+29.9pp | 69.5%+23.7pp | 68.1%+25.1pp |
| Annual return | 17.02% | 39.10%-22.1pp | 29.77%-12.7pp | 41.64%-24.6pp |
| Employer contribution / active EE | $367 | $1,729-78.8% | $2,454-85.1% | $2,551-85.6% |
| Participant deferral / active EE | $1,506 | $3,134-51.9% | $4,088-63.2% | $4,139-63.6% |
| Admin fee / account holder | $663 | $5,323-87.5% | $7,189-90.8% | $7,234-90.8% |