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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 | $21,100 | $98,776-78.6% | $149,745-85.9% | $79,856-73.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 12.57% | 27.38%-14.8pp | 276.72%-264.1pp | 31.71%-19.1pp |
| Employer contribution / active EE | $5,557 | $3,217+72.7% | $4,646+19.6% | $2,471+124.9% |
| Participant deferral / active EE | $2,926 | $5,681-48.5% | $6,843-57.2% | $3,741-21.8% |
| Admin fee / account holder | $1,153 | $6,053-80.9% | $9,312-87.6% | $5,306-78.3% |