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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 | $13,499 | $89,259-84.9% | $107,187-87.4% | $82,637-83.7% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 23.73% | 21.02%+2.7pp | 204.55%-180.8pp | 53.51%-29.8pp |
| Employer contribution / active EE | $5,465 | $3,080+77.4% | $3,782+44.5% | $2,552+114.1% |
| Participant deferral / active EE | $2,899 | $4,037-28.2% | $5,096-43.1% | $4,126-29.7% |
| Admin fee / account holder | $1,460 | $7,381-80.2% | $9,162-84.1% | $7,339-80.1% |