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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 | $27,961 | $162,781-82.8% | $133,956-79.1% | $158,931-82.4% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 16.61% | 41.94%-25.3pp | 45.09%-28.5pp | 302.86%-286.3pp |
| Employer contribution / active EE | $2,338 | $4,975-53.0% | $3,919-40.3% | $4,761-50.9% |
| Participant deferral / active EE | $5,399 | $5,911-8.7% | $5,048+7.0% | $5,982-9.8% |
| Admin fee / account holder | $2,570 | $11,736-78.1% | $8,927-71.2% | $11,247-77.1% |