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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 | $4,203 | $96,558-95.6% | $80,977-94.8% | $273,972-98.5% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 88.17% | 15.14%+73.0pp | 17.11%+71.1pp | 41.46%+46.7pp |
| Employer contribution / active EE | $2,201 | $4,869-54.8% | $3,715-40.8% | $4,869-54.8% |
| Participant deferral / active EE | $4,398 | $6,598-33.3% | $5,696-22.8% | $5,287-16.8% |
| Admin fee / account holder | $1,542 | $7,493-79.4% | $5,517-72.1% | $10,133-84.8% |