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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 | $12,465 | $157,296-92.1% | $141,191-91.2% | $152,897-91.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 28.22% | 64.34%-36.1pp | 71.41%-43.2pp | 345.43%-317.2pp |
| Employer contribution / active EE | $2,149 | $5,262-59.2% | $4,736-54.6% | $4,764-54.9% |
| Participant deferral / active EE | $4,483 | $7,111-37.0% | $6,710-33.2% | $5,851-23.4% |
| Admin fee / account holder | $806 | $12,125-93.4% | $10,264-92.1% | $11,599-93.1% |