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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 | $15,706 | $63,355-75.2% | $91,994-82.9% | $72,983-78.5% |
| Participation rate | 100.0% | 72.5%+27.5pp | 78.6%+21.4pp | 69.5%+30.5pp |
| Annual return | 108.39% | 35.35%+73.0pp | 69.03%+39.4pp | 81.01%+27.4pp |
| Employer contribution / active EE | $847 | $2,116-59.9% | $3,452-75.5% | $2,440-65.3% |
| Participant deferral / active EE | $5,463 | $4,883+11.9% | $5,923-7.8% | $3,608+51.4% |
| Admin fee / account holder | $812 | $4,668-82.6% | $7,743-89.5% | $5,124-84.2% |