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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 | $10,456 | $85,171-87.7% | $172,752-93.9% | $72,975-85.7% |
| Participation rate | 87.6% | 70.1%+17.6pp | 82.6%+5.0pp | 69.5%+18.2pp |
| Annual return | 23.31% | 27.32%-4.0pp | 802.97%-779.7pp | 81.01%-57.7pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,114 | $3,260-4.5% | $5,198-40.1% | $3,608-13.7% |
| Admin fee / account holder | $491 | $5,880-91.7% | $13,955-96.5% | $5,124-90.4% |