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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 | $88,672-84.5% | $105,223-86.9% | $82,448-83.3% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 38.74% | 30.86%+7.9pp | 180.65%-141.9pp | 41.64%-2.9pp |
| Employer contribution / active EE | $1,077 | $3,048-64.7% | $3,689-70.8% | $2,551-57.8% |
| Participant deferral / active EE | $2,225 | $4,036-44.9% | $5,072-56.1% | $4,139-46.3% |
| Admin fee / account holder | $2,828 | $7,146-60.4% | $8,859-68.1% | $7,234-60.9% |