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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 | $16,481 | $115,814-85.8% | $101,275-83.7% | $158,982-89.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 12.64% | 56.16%-43.5pp | 46.48%-33.8pp | 302.99%-290.3pp |
| Employer contribution / active EE | $2,925 | $4,176-30.0% | $3,660-20.1% | $4,763-38.6% |
| Participant deferral / active EE | $6,648 | $4,958+34.1% | $4,371+52.1% | $5,983+11.1% |
| Admin fee / account holder | $759 | $7,249-89.5% | $5,948-87.2% | $11,252-93.3% |