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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 | $7,542 | $117,846-93.6% | $102,434-92.6% | $145,884-94.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 17.21% | 31.90%-14.7pp | 29.46%-12.2pp | 551.85%-534.6pp |
| Employer contribution / active EE | $1,349 | $3,615-62.7% | $3,023-55.4% | $4,662-71.1% |
| Participant deferral / active EE | $2,643 | $5,733-53.9% | $5,055-47.7% | $6,690-60.5% |
| Admin fee / account holder | $1,918 | $13,356-85.6% | $9,462-79.7% | $13,392-85.7% |