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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 | $15,904 | $86,891-81.7% | $142,516-88.8% | $75,173-78.8% |
| Participation rate | 95.0% | 68.5%+26.5pp | 76.8%+18.2pp | 67.2%+27.8pp |
| Annual return | 0.00% | 23.31%-23.3pp | 19.99%-20.0pp | 160.72%-160.7pp |
| Employer contribution / active EE | $5,747 | $3,355+71.3% | $4,849+18.5% | $2,671+115.2% |
| Participant deferral / active EE | $8,028 | $4,938+62.6% | $6,280+27.8% | $4,126+94.6% |
| Admin fee / account holder | $1,149 | $7,299-84.3% | $10,008-88.5% | $5,651-79.7% |