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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 | $9,909 | $78,423-87.4% | $95,964-89.7% | $79,856-87.6% |
| Participation rate | 83.3% | 73.5%+9.8pp | 77.1%+6.2pp | 69.6%+13.7pp |
| Annual return | 23.69% | 19.37%+4.3pp | 91.64%-68.0pp | 31.71%-8.0pp |
| Employer contribution / active EE | $1,404 | $1,945-27.8% | $2,541-44.8% | $2,471-43.2% |
| Participant deferral / active EE | $2,478 | $3,440-28.0% | $4,167-40.5% | $3,741-33.8% |
| Admin fee / account holder | $353 | $5,622-93.7% | $6,797-94.8% | $5,306-93.4% |