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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 | $18,018 | $113,941-84.2% | $94,228-80.9% | $125,388-85.6% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -0.82% | 5.29%-6.1pp | 10.68%-11.5pp | 282.24%-283.1pp |
| Employer contribution / active EE | $16,841 | $4,727+256.3% | $3,587+369.5% | $4,866+246.1% |
| Participant deferral / active EE | $8,324 | $5,179+60.7% | $4,320+92.7% | $5,352+55.5% |
| Admin fee / account holder | $8,730 | $8,392+4.0% | $6,269+39.3% | $9,541-8.5% |