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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 | $23,529 | $149,741-84.3% | $118,914-80.2% | $158,982-85.2% |
| Participation rate | 100.0% | 82.1%+17.9pp | 75.4%+24.6pp | 82.0%+18.0pp |
| Annual return | 258.10% | 19.94%+238.2pp | 35.89%+222.2pp | 302.99%-44.9pp |
| Employer contribution / active EE | $2,367 | $4,119-42.5% | $3,264-27.5% | $4,763-50.3% |
| Participant deferral / active EE | $4,116 | $5,226-21.2% | $4,266-3.5% | $5,983-31.2% |
| Admin fee / account holder | $1,553 | $8,607-82.0% | $6,582-76.4% | $11,252-86.2% |