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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 | $17,485 | $154,193-88.7% | $130,045-86.6% | $139,466-87.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.5%+21.5pp | 80.3%+19.7pp |
| Annual return | 22.64% | 32.51%-9.9pp | -137.30%+159.9pp | 373.66%-351.0pp |
| Employer contribution / active EE | $2,538 | $5,292-52.0% | $4,321-41.3% | $4,754-46.6% |
| Participant deferral / active EE | $6,288 | $6,709-6.3% | $5,820+8.0% | $6,712-6.3% |
| Admin fee / account holder | $572 | $13,989-95.9% | $10,600-94.6% | $11,409-95.0% |