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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 | $16,892 | $160,040-89.4% | $147,096-88.5% | $145,877-88.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 10.41% | 98.49%-88.1pp | 419.75%-409.3pp | 551.28%-540.9pp |
| Employer contribution / active EE | $1,350 | $5,289-74.5% | $4,936-72.7% | $4,663-71.1% |
| Participant deferral / active EE | $5,856 | $8,429-30.5% | $8,071-27.4% | $6,691-12.5% |
| Admin fee / account holder | $599 | $15,050-96.0% | $13,005-95.4% | $13,402-95.5% |