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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 | $16,272 | $198,457-91.8% | $170,435-90.5% | $147,586-89.0% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 18.68% | 257.30%-238.6pp | 205.94%-187.3pp | 578.59%-559.9pp |
| Employer contribution / active EE | $1,760 | $6,183-71.5% | $5,432-67.6% | $4,876-63.9% |
| Participant deferral / active EE | $6,226 | $5,629+10.6% | $4,939+26.1% | $5,439+14.5% |
| Admin fee / account holder | $823 | $16,852-95.1% | $13,881-94.1% | $10,886-92.4% |