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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 | $22,958 | $105,200-78.2% | $159,474-85.6% | $85,847-73.3% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.8%+17.2pp | 69.3%+30.7pp |
| Annual return | 15.94% | 45.08%-29.1pp | 263.68%-247.7pp | 318.61%-302.7pp |
| Employer contribution / active EE | $4,672 | $3,319+40.8% | $4,831-3.3% | $2,565+82.1% |
| Participant deferral / active EE | $4,748 | $5,946-20.1% | $7,353-35.4% | $3,952+20.1% |
| Admin fee / account holder | $1,500 | $6,934-78.4% | $10,802-86.1% | $6,261-76.0% |