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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 | $13,778 | $63,346-78.2% | $92,240-85.1% | $70,126-80.4% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 17.23% | 530.19%-513.0pp | 176.29%-159.1pp | 73.15%-55.9pp |
| Employer contribution / active EE | $2,884 | $2,471+16.7% | $3,680-21.6% | $2,343+23.1% |
| Participant deferral / active EE | $1,265 | $2,854-55.7% | $3,897-67.5% | $3,332-62.0% |
| Admin fee / account holder | $387 | $3,841-89.9% | $5,194-92.5% | $4,645-91.7% |