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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 | $13,648 | $65,395-79.1% | $182,540-92.5% | $72,975-81.3% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 69.5%+30.5pp |
| Annual return | 30.42% | 27.68%+2.7pp | 148.58%-118.2pp | 81.01%-50.6pp |
| Employer contribution / active EE | $3,528 | $1,911+84.6% | $4,076-13.4% | $2,440+44.6% |
| Participant deferral / active EE | $3,048 | $3,563-14.4% | $5,525-44.8% | $3,608-15.5% |
| Admin fee / account holder | $342 | $4,245-91.9% | $8,593-96.0% | $5,124-93.3% |