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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 | $10,011 | $154,209-93.5% | $130,062-92.3% | $139,487-92.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 28.38% | 32.52%-4.1pp | -137.37%+165.7pp | 373.84%-345.5pp |
| Employer contribution / active EE | $1,146 | $5,292-78.4% | $4,322-73.5% | $4,755-75.9% |
| Participant deferral / active EE | $5,463 | $6,709-18.6% | $5,821-6.1% | $6,713-18.6% |
| Admin fee / account holder | $880 | $13,988-93.7% | $10,601-91.7% | $11,407-92.3% |