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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 | $24,353 | $197,637-87.7% | $177,848-86.3% | $158,982-84.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 11.25% | 58.77%-47.5pp | 48.33%-37.1pp | 302.99%-291.7pp |
| Employer contribution / active EE | $2,479 | $6,698-63.0% | $5,919-58.1% | $4,763-47.9% |
| Participant deferral / active EE | $6,547 | $8,405-22.1% | $7,714-15.1% | $5,983+9.4% |
| Admin fee / account holder | $2,724 | $15,406-82.3% | $12,431-78.1% | $11,252-75.8% |