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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 | $18,445 | $112,112-83.5% | $95,956-80.8% | $158,950-88.4% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 13.65% | 171.15%-157.5pp | 91.63%-78.0pp | 302.91%-289.3pp |
| Employer contribution / active EE | $2,727 | $3,199-14.7% | $2,541+7.3% | $4,762-42.7% |
| Participant deferral / active EE | $1,531 | $4,784-68.0% | $4,167-63.3% | $5,983-74.4% |
| Admin fee / account holder | $1,609 | $10,134-84.1% | $6,797-76.3% | $11,248-85.7% |