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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 | $21,905 | $226,105-90.3% | $182,540-88.0% | $152,897-85.7% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 15.74% | 192.58%-176.8pp | 148.58%-132.8pp | 345.43%-329.7pp |
| Employer contribution / active EE | $1,116 | $4,978-77.6% | $4,076-72.6% | $4,764-76.6% |
| Participant deferral / active EE | $3,909 | $6,370-38.6% | $5,525-29.3% | $5,851-33.2% |
| Admin fee / account holder | $1,021 | $10,706-90.5% | $8,593-88.1% | $11,599-91.2% |