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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 | $20,171 | $89,367-77.4% | $141,191-85.7% | $72,975-72.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 23.97% | 111.87%-87.9pp | 71.41%-47.4pp | 81.01%-57.0pp |
| Employer contribution / active EE | $2,262 | $3,115-27.4% | $4,736-52.2% | $2,440-7.3% |
| Participant deferral / active EE | $3,556 | $5,419-34.4% | $6,710-47.0% | $3,608-1.4% |
| Admin fee / account holder | $4,547 | $5,957-23.7% | $10,264-55.7% | $5,124-11.3% |