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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 | $6,831 | $48,570-85.9% | $130,660-94.8% | $72,975-90.6% |
| Participation rate | 100.0% | 58.6%+41.4pp | 71.7%+28.3pp | 69.5%+30.5pp |
| Annual return | 28.42% | 38.63%-10.2pp | 1709.29%-1680.9pp | 81.01%-52.6pp |
| Employer contribution / active EE | $1,945 | $1,334+45.8% | $4,092-52.5% | $2,440-20.3% |
| Participant deferral / active EE | $2,595 | $2,384+8.9% | $3,603-28.0% | $3,608-28.1% |
| Admin fee / account holder | $899 | $3,549-74.7% | $5,463-83.6% | $5,124-82.5% |