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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 | $27,153 | $96,731-71.9% | $123,973-78.1% | $86,983-68.8% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 12.84% | 17.33%-4.5pp | 388.13%-375.3pp | 25.83%-13.0pp |
| Employer contribution / active EE | $1,983 | $3,297-39.8% | $4,126-51.9% | $2,584-23.3% |
| Participant deferral / active EE | $3,680 | $4,152-11.4% | $5,247-29.9% | $4,194-12.3% |
| Admin fee / account holder | $4,337 | $8,722-50.3% | $11,799-63.2% | $7,856-44.8% |