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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 | $4,982 | $37,446-86.7% | $77,552-93.6% | $79,856-93.8% |
| Participation rate | 86.5% | 41.5%+45.0pp | 54.2%+32.3pp | 69.6%+16.8pp |
| Annual return | 0.00% | 39.76%-39.8pp | 54.82%-54.8pp | 31.71%-31.7pp |
| Employer contribution / active EE | $1,360 | $637+113.5% | $987+37.9% | $2,471-45.0% |
| Participant deferral / active EE | $2,238 | $1,261+77.5% | $1,861+20.3% | $3,741-40.2% |
| Admin fee / account holder | $381 | $2,506-84.8% | $2,859-86.7% | $5,306-92.8% |