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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 | $9,842 | $176,120-94.4% | $159,487-93.8% | $167,553-94.1% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 16.87% | 331.95%-315.1pp | 263.71%-246.8pp | 478.89%-462.0pp |
| Employer contribution / active EE | $1,685 | $5,299-68.2% | $4,831-65.1% | $4,840-65.2% |
| Participant deferral / active EE | $3,811 | $7,752-50.8% | $7,354-48.2% | $6,343-39.9% |
| Admin fee / account holder | $558 | $12,561-95.6% | $10,804-94.8% | $12,316-95.5% |