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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 | $10,514 | $54,757-80.8% | $90,304-88.4% | $72,975-85.6% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 47.21% | 30.63%+16.6pp | 78.13%-30.9pp | 81.01%-33.8pp |
| Employer contribution / active EE | $950 | $2,093-54.6% | $2,855-66.7% | $2,440-61.1% |
| Participant deferral / active EE | $1,476 | $2,887-48.9% | $3,885-62.0% | $3,608-59.1% |
| Admin fee / account holder | $544 | $3,973-86.3% | $5,354-89.8% | $5,124-89.4% |