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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 | $5,626 | $65,361-91.4% | $92,903-93.9% | $72,983-92.3% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 31.60% | 42.11%-10.5pp | 109.43%-77.8pp | 81.01%-49.4pp |
| Employer contribution / active EE | $1,904 | $2,594-26.6% | $3,653-47.9% | $2,440-22.0% |
| Participant deferral / active EE | $2,307 | $3,128-26.3% | $4,238-45.6% | $3,608-36.1% |
| Admin fee / account holder | $1,038 | $4,251-75.6% | $5,795-82.1% | $5,124-79.7% |