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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 | $21,840 | $144,130-84.8% | $117,861-81.5% | $147,586-85.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 11.02% | 531.20%-520.2pp | 335.11%-324.1pp | 578.59%-567.6pp |
| Employer contribution / active EE | $3,605 | $4,897-26.4% | $3,786-4.8% | $4,876-26.1% |
| Participant deferral / active EE | $2,815 | $5,316-47.1% | $4,482-37.2% | $5,439-48.2% |
| Admin fee / account holder | $2,356 | $10,887-78.4% | $8,021-70.6% | $10,886-78.4% |