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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 | $12,093 | $162,821-92.6% | $133,978-91.0% | $158,982-92.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 32.82% | 41.95%-9.1pp | 45.10%-12.3pp | 302.99%-270.2pp |
| Employer contribution / active EE | $4,998 | $4,976+0.4% | $3,919+27.5% | $4,763+4.9% |
| Participant deferral / active EE | $7,831 | $5,910+32.5% | $5,047+55.1% | $5,983+30.9% |
| Admin fee / account holder | $9,894 | $11,742-15.7% | $8,930+10.8% | $11,252-12.1% |