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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 | $18,191 | $63,346-71.3% | $92,240-80.3% | $70,126-74.1% |
| Participation rate | 100.0% | 68.7%+31.3pp | 76.5%+23.5pp | 69.5%+30.5pp |
| Annual return | 23.41% | 530.19%-506.8pp | 176.29%-152.9pp | 73.15%-49.7pp |
| Employer contribution / active EE | $3,153 | $2,471+27.6% | $3,680-14.3% | $2,343+34.6% |
| Participant deferral / active EE | $3,290 | $2,854+15.3% | $3,897-15.6% | $3,332-1.3% |
| Admin fee / account holder | $497 | $3,841-87.0% | $5,194-90.4% | $4,645-89.3% |