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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 | $3,055 | $58,627-94.8% | $76,735-96.0% | $82,448-96.3% |
| Participation rate | 76.5% | 63.2%+13.3pp | 69.5%+7.0pp | 68.1%+8.4pp |
| Annual return | 20.77% | 39.10%-18.3pp | 29.77%-9.0pp | 41.64%-20.9pp |
| Employer contribution / active EE | $467 | $1,729-73.0% | $2,454-81.0% | $2,551-81.7% |
| Participant deferral / active EE | $1,790 | $3,134-42.9% | $4,088-56.2% | $4,139-56.8% |
| Admin fee / account holder | $457 | $5,323-91.4% | $7,189-93.6% | $7,234-93.7% |