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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 | $10,919 | $106,923-89.8% | $84,023-87.0% | $152,909-92.9% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 20.84% | 105.02%-84.2pp | 71.32%-50.5pp | 345.46%-324.6pp |
| Employer contribution / active EE | $1,361 | $2,735-50.2% | $1,984-31.4% | $4,764-71.4% |
| Participant deferral / active EE | $2,650 | $4,013-33.9% | $3,239-18.2% | $5,851-54.7% |
| Admin fee / account holder | $669 | $8,289-91.9% | $6,102-89.0% | $11,601-94.2% |