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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 | $14,197 | $85,766-83.4% | $136,298-89.6% | $70,126-79.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 42.45% | 31.46%+11.0pp | 5156.27%-5113.8pp | 73.15%-30.7pp |
| Employer contribution / active EE | $2,353 | $2,966-20.7% | $4,696-49.9% | $2,343+0.5% |
| Participant deferral / active EE | $5,717 | $5,051+13.2% | $6,247-8.5% | $3,332+71.6% |
| Admin fee / account holder | $2,739 | $5,421-49.5% | $9,244-70.4% | $4,645-41.0% |