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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 | $12,536 | $139,948-91.0% | $121,663-89.7% | $154,746-91.9% |
| Participation rate | 100.0% | 78.0%+22.0pp | 74.5%+25.5pp | 80.7%+19.3pp |
| Annual return | 25.69% | 230.52%-204.8pp | 147.54%-121.8pp | 172.34%-146.6pp |
| Employer contribution / active EE | $1,743 | $3,521-50.5% | $3,020-42.3% | $4,379-60.2% |
| Participant deferral / active EE | $4,634 | $5,629-17.7% | $4,887-5.2% | $6,730-31.1% |
| Admin fee / account holder | $1,117 | $17,321-93.6% | $14,289-92.2% | $14,365-92.2% |