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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 | $18,987 | $63,346-70.0% | $92,240-79.4% | $70,126-72.9% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 16.07% | 530.19%-514.1pp | 176.29%-160.2pp | 73.15%-57.1pp |
| Employer contribution / active EE | $9,258 | $2,471+274.6% | $3,680+151.6% | $2,343+295.2% |
| Participant deferral / active EE | $1,139 | $2,854-60.1% | $3,897-70.8% | $3,332-65.8% |
| Admin fee / account holder | $2,288 | $3,841-40.4% | $5,194-55.9% | $4,645-50.7% |