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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 | $26,695 | $209,422-87.3% | $178,503-85.0% | $158,982-83.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 19.69% | 188.81%-169.1pp | 151.12%-131.4pp | 302.99%-283.3pp |
| Employer contribution / active EE | $5,417 | $5,707-5.1% | $5,011+8.1% | $4,763+13.7% |
| Participant deferral / active EE | $13,394 | $5,955+124.9% | $5,202+157.5% | $5,983+123.8% |
| Admin fee / account holder | $365 | $17,079-97.9% | $13,987-97.4% | $11,252-96.8% |