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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 | $16,057 | $63,114-74.6% | $92,909-82.7% | $65,185-75.4% |
| Participation rate | 100.0% | 68.8%+31.2pp | 76.0%+24.0pp | 70.2%+29.8pp |
| Annual return | 21.65% | 28.75%-7.1pp | 109.44%-87.8pp | 29.38%-7.7pp |
| Employer contribution / active EE | $1,357 | $2,571-47.2% | $3,653-62.8% | $2,177-37.6% |
| Participant deferral / active EE | $2,437 | $3,108-21.6% | $4,238-42.5% | $3,514-30.7% |
| Admin fee / account holder | $638 | $624+2.3% | $5,795-89.0% | $847-24.7% |