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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 | $21,618 | $157,296-86.3% | $141,191-84.7% | $152,897-85.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 27.96% | 64.34%-36.4pp | 71.41%-43.4pp | 345.43%-317.5pp |
| Employer contribution / active EE | $7,914 | $5,262+50.4% | $4,736+67.1% | $4,764+66.1% |
| Participant deferral / active EE | $9,611 | $7,111+35.2% | $6,710+43.2% | $5,851+64.3% |
| Admin fee / account holder | $337 | $12,125-97.2% | $10,264-96.7% | $11,599-97.1% |