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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 | $13,964 | $165,361-91.6% | $149,715-90.7% | $158,950-91.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 21.96% | 348.24%-326.3pp | 276.66%-254.7pp | 302.91%-280.9pp |
| Employer contribution / active EE | $2,142 | $5,103-58.0% | $4,645-53.9% | $4,762-55.0% |
| Participant deferral / active EE | $4,471 | $7,182-37.7% | $6,842-34.7% | $5,983-25.3% |
| Admin fee / account holder | $319 | $10,808-97.0% | $9,310-96.6% | $11,248-97.2% |