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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 | $17,546 | $165,399-89.4% | $149,745-88.3% | $158,982-89.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 37.75% | 348.34%-310.6pp | 276.72%-239.0pp | 302.99%-265.2pp |
| Employer contribution / active EE | $20,406 | $5,105+299.8% | $4,646+339.3% | $4,763+328.5% |
| Participant deferral / active EE | $11,406 | $7,183+58.8% | $6,843+66.7% | $5,983+90.6% |
| Admin fee / account holder | $4,372 | $10,811-59.6% | $9,312-53.0% | $11,252-61.1% |