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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 | $12,660 | $232,540-94.6% | $185,117-93.2% | $147,586-91.4% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 16.70% | 43.03%-26.3pp | 40.50%-23.8pp | 578.59%-561.9pp |
| Employer contribution / active EE | $3,020 | $5,195-41.9% | $4,182-27.8% | $4,876-38.1% |
| Participant deferral / active EE | $1,811 | $5,834-69.0% | $5,045-64.1% | $5,439-66.7% |
| Admin fee / account holder | $362 | $10,275-96.5% | $8,159-95.6% | $10,886-96.7% |