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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 | $96,731-86.0% | $123,973-89.1% | $86,983-84.5% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 23.73% | 17.33%+6.4pp | 388.13%-364.4pp | 25.83%-2.1pp |
| Employer contribution / active EE | $5,465 | $3,297+65.7% | $4,126+32.5% | $2,584+111.4% |
| Participant deferral / active EE | $2,899 | $4,152-30.2% | $5,247-44.7% | $4,194-30.9% |
| Admin fee / account holder | $1,460 | $8,722-83.3% | $11,799-87.6% | $7,856-81.4% |