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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 | $7,022 | $180,749-96.1% | $160,784-95.6% | $137,256-94.9% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 16.94% | 2234.46%-2217.5pp | 1803.92%-1787.0pp | 220.34%-203.4pp |
| Employer contribution / active EE | $1,356 | $4,155-67.4% | $3,733-63.7% | $4,156-67.4% |
| Participant deferral / active EE | $1,800 | $6,844-73.7% | $6,293-71.4% | $6,407-71.9% |
| Admin fee / account holder | $555 | $10,397-94.7% | $9,717-94.3% | $12,270-95.5% |