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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 | $8,065 | $96,731-91.7% | $123,973-93.5% | $86,983-90.7% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 11.65% | 17.33%-5.7pp | 388.13%-376.5pp | 25.83%-14.2pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $4,126-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,213 | $4,152-22.6% | $5,247-38.8% | $4,194-23.4% |
| Admin fee / account holder | $348 | $8,722-96.0% | $11,799-97.1% | $7,856-95.6% |