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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 | $7,284 | $88,672-91.8% | $105,223-93.1% | $82,448-91.2% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 13.02% | 30.86%-17.8pp | 180.65%-167.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,787 | $3,048-41.4% | $3,689-51.6% | $2,551-29.9% |
| Participant deferral / active EE | $2,063 | $4,036-48.9% | $5,072-59.3% | $4,139-50.2% |
| Admin fee / account holder | $1,168 | $7,146-83.7% | $8,859-86.8% | $7,234-83.9% |