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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 | $11,733 | $68,880-83.0% | $120,580-90.3% | $80,959-85.5% |
| Participation rate | 100.0% | 61.7%+38.3pp | 72.0%+28.0pp | 67.7%+32.3pp |
| Annual return | 15.64% | 23.68%-8.0pp | 107.48%-91.8pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,867 | $2,066-9.6% | $3,469-46.2% | $2,757-32.3% |
| Participant deferral / active EE | $2,471 | $3,191-22.6% | $4,995-50.5% | $4,300-42.5% |
| Admin fee / account holder | $703 | $5,785-87.8% | $9,418-92.5% | $6,925-89.8% |