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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 | $19,981 | $58,828-66.0% | $78,002-74.4% | $62,881-68.2% |
| Participation rate | 100.0% | 71.1%+28.9pp | 75.5%+24.5pp | 69.3%+30.7pp |
| Annual return | 5.02% | 17.16%-12.1pp | 425.99%-421.0pp | 20.14%-15.1pp |
| Employer contribution / active EE | $3,498 | $1,672+109.3% | $2,470+41.6% | $2,281+53.4% |
| Participant deferral / active EE | $1,707 | $2,686-36.4% | $3,497-51.2% | $3,203-46.7% |
| Admin fee / account holder | $3,056 | $4,393-30.4% | $5,481-44.2% | $4,296-28.9% |