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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 | $23,963 | $183,988-87.0% | $162,177-85.2% | $152,897-84.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 33.19% | 150.79%-117.6pp | 115.60%-82.4pp | 345.43%-312.2pp |
| Employer contribution / active EE | $3,950 | $6,370-38.0% | $5,613-29.6% | $4,764-17.1% |
| Participant deferral / active EE | $7,532 | $8,032-6.2% | $7,297+3.2% | $5,851+28.7% |
| Admin fee / account holder | $340 | $13,123-97.4% | $10,843-96.9% | $11,599-97.1% |