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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 | $12,379 | $48,570-74.5% | $130,660-90.5% | $72,975-83.0% |
| Participation rate | 72.0% | 58.6%+13.4pp | 71.7%+0.3pp | 69.5%+2.5pp |
| Annual return | 24.41% | 38.63%-14.2pp | 1709.29%-1684.9pp | 81.01%-56.6pp |
| Employer contribution / active EE | $510 | $1,334-61.8% | $4,092-87.5% | $2,440-79.1% |
| Participant deferral / active EE | $1,162 | $2,384-51.3% | $3,603-67.8% | $3,608-67.8% |
| Admin fee / account holder | $437 | $3,549-87.7% | $5,463-92.0% | $5,124-91.5% |