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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 | $11,315 | $105,284-89.3% | $150,734-92.5% | $94,015-88.0% |
| Participation rate | 100.0% | 71.7%+28.3pp | 78.4%+21.6pp | 70.8%+29.2pp |
| Annual return | 14.04% | 15.67%-1.6pp | 600.81%-586.8pp | 17.84%-3.8pp |
| Employer contribution / active EE | $3,515 | $3,599-2.3% | $4,918-28.5% | $2,790+26.0% |
| Participant deferral / active EE | $0 | $4,274-100.0% | $5,610-100.0% | $4,249-100.0% |
| Admin fee / account holder | $1,733 | $9,839-82.4% | $14,905-88.4% | $8,951-80.6% |