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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 | $23,577 | $91,559-74.2% | $133,978-82.4% | $79,856-70.5% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 214.91% | 61.85%+153.1pp | 45.10%+169.8pp | 31.71%+183.2pp |
| Employer contribution / active EE | $2,625 | $2,384+10.1% | $3,919-33.0% | $2,471+6.2% |
| Participant deferral / active EE | $3,813 | $3,734+2.1% | $5,047-24.5% | $3,741+1.9% |
| Admin fee / account holder | $944 | $6,321-85.1% | $8,930-89.4% | $5,306-82.2% |