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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 | $13,760 | $93,345-85.3% | $119,126-88.4% | $87,485-84.3% |
| Participation rate | 100.0% | 68.7%+31.3pp | 75.8%+24.2pp | 68.9%+31.1pp |
| Annual return | 38.74% | 19.08%+19.7pp | 282.11%-243.4pp | 26.06%+12.7pp |
| Employer contribution / active EE | $1,077 | $3,172-66.0% | $4,034-73.3% | $2,596-58.5% |
| Participant deferral / active EE | $2,225 | $4,099-45.7% | $5,318-58.2% | $4,274-47.9% |
| Admin fee / account holder | $2,828 | $8,039-64.8% | $10,693-73.6% | $7,775-63.6% |