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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 | $17,963 | $77,816-76.9% | $123,552-85.5% | $64,173-72.0% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | 1.27% | 12.49%-11.2pp | 119.20%-117.9pp | 7.63%-6.4pp |
| Employer contribution / active EE | $2,901 | $3,014-3.7% | $4,628-37.3% | $2,381+21.9% |
| Participant deferral / active EE | $7,224 | $5,240+37.9% | $6,426+12.4% | $3,470+108.2% |
| Admin fee / account holder | $1,894 | $5,519-65.7% | $9,285-79.6% | $4,887-61.2% |