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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 | $13,703 | $96,731-85.8% | $123,973-88.9% | $86,983-84.2% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 11.87% | 17.33%-5.5pp | 388.13%-376.3pp | 25.83%-14.0pp |
| Employer contribution / active EE | $1,166 | $3,297-64.6% | $4,126-71.7% | $2,584-54.9% |
| Participant deferral / active EE | $1,838 | $4,152-55.7% | $5,247-65.0% | $4,194-56.2% |
| Admin fee / account holder | $508 | $8,722-94.2% | $11,799-95.7% | $7,856-93.5% |