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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 | $18,323 | $223,823-91.8% | $211,142-91.3% | $154,746-88.2% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 16.23% | 50.39%-34.2pp | 46.84%-30.6pp | 172.34%-156.1pp |
| Employer contribution / active EE | $3,471 | $6,787-48.9% | $6,442-46.1% | $4,379-20.7% |
| Participant deferral / active EE | $6,196 | $9,750-36.5% | $9,284-33.3% | $6,730-7.9% |
| Admin fee / account holder | $5,969 | $19,707-69.7% | $19,076-68.7% | $14,365-58.5% |