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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 | $17,170 | $63,365-72.9% | $91,994-81.3% | $72,975-76.5% |
| Participation rate | 100.0% | 72.5%+27.5pp | 78.6%+21.4pp | 69.5%+30.5pp |
| Annual return | 65.40% | 35.35%+30.0pp | 69.04%-3.6pp | 81.01%-15.6pp |
| Employer contribution / active EE | $4,663 | $2,116+120.4% | $3,453+35.0% | $2,440+91.1% |
| Participant deferral / active EE | $8,498 | $4,883+74.0% | $5,924+43.4% | $3,608+135.5% |
| Admin fee / account holder | $3,441 | $4,670-26.3% | $7,744-55.6% | $5,124-32.9% |