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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 | $89,259-91.8% | $107,187-93.2% | $82,637-91.2% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 13.02% | 21.02%-8.0pp | 204.55%-191.5pp | 53.51%-40.5pp |
| Employer contribution / active EE | $1,787 | $3,080-42.0% | $3,782-52.8% | $2,552-30.0% |
| Participant deferral / active EE | $2,063 | $4,037-48.9% | $5,096-59.5% | $4,126-50.0% |
| Admin fee / account holder | $1,168 | $7,381-84.2% | $9,162-87.2% | $7,339-84.1% |