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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 | $13,437 | $99,652-86.5% | $78,778-82.9% | $147,586-90.9% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 10.31% | 47.28%-37.0pp | 35.62%-25.3pp | 578.59%-568.3pp |
| Employer contribution / active EE | $1,319 | $2,796-52.8% | $1,986-33.6% | $4,876-73.0% |
| Participant deferral / active EE | $1,164 | $3,664-68.2% | $2,958-60.7% | $5,439-78.6% |
| Admin fee / account holder | $1,471 | $7,155-79.4% | $5,134-71.4% | $10,886-86.5% |