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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 | $4,232 | $108,882-96.1% | $96,754-95.6% | $154,746-97.3% |
| Participation rate | 94.4% | 75.1%+19.4pp | 70.3%+24.2pp | 80.7%+13.7pp |
| Annual return | 19.53% | 98.39%-78.9pp | 82.04%-62.5pp | 172.34%-152.8pp |
| Employer contribution / active EE | $0 | $3,018-100.0% | $2,679-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,126 | $5,323-78.8% | $4,758-76.3% | $6,730-83.3% |
| Admin fee / account holder | $442 | $10,200-95.7% | $8,905-95.0% | $14,365-96.9% |