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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 | $10,745 | $226,135-95.2% | $182,558-94.1% | $152,909-93.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 17.59% | 192.60%-175.0pp | 148.59%-131.0pp | 345.46%-327.9pp |
| Employer contribution / active EE | $4,205 | $4,979-15.5% | $4,076+3.2% | $4,764-11.7% |
| Participant deferral / active EE | $0 | $6,371-100.0% | $5,526-100.0% | $5,851-100.0% |
| Admin fee / account holder | $702 | $10,707-93.4% | $8,594-91.8% | $11,601-93.9% |