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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 | $19,976 | $135,956-85.3% | $123,894-83.9% | $273,972-92.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 4.16% | 56.63%-52.5pp | 47.52%-43.4pp | 41.46%-37.3pp |
| Employer contribution / active EE | $2,099 | $5,170-59.4% | $4,617-54.5% | $4,869-56.9% |
| Participant deferral / active EE | $6,502 | $6,343+2.5% | $5,984+8.6% | $5,287+23.0% |
| Admin fee / account holder | $396 | $9,817-96.0% | $8,357-95.3% | $10,133-96.1% |