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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 | $11,401 | $165,399-93.1% | $149,745-92.4% | $158,982-92.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.33% | 348.34%-337.0pp | 276.72%-265.4pp | 302.99%-291.7pp |
| Employer contribution / active EE | $6,664 | $5,105+30.5% | $4,646+43.4% | $4,763+39.9% |
| Participant deferral / active EE | $3,593 | $7,183-50.0% | $6,843-47.5% | $5,983-39.9% |
| Admin fee / account holder | $648 | $10,811-94.0% | $9,312-93.0% | $11,252-94.2% |