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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 | $28,151 | $176,786-84.1% | $146,643-80.8% | $167,536-83.2% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 19.70% | 24.04%-4.3pp | 22.75%-3.1pp | 478.82%-459.1pp |
| Employer contribution / active EE | $6,009 | $5,161+16.4% | $4,137+45.3% | $4,839+24.2% |
| Participant deferral / active EE | $2,456 | $6,440-61.9% | $5,506-55.4% | $6,342-61.3% |
| Admin fee / account holder | $542 | $13,262-95.9% | $10,280-94.7% | $12,315-95.6% |