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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 | $14,282 | $183,539-92.2% | $155,556-90.8% | $145,897-90.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.51% | 61.31%-45.8pp | 64.84%-49.3pp | 552.29%-536.8pp |
| Employer contribution / active EE | $2,135 | $5,315-59.8% | $4,675-54.3% | $4,663-54.2% |
| Participant deferral / active EE | $6,858 | $6,467+6.1% | $5,631+21.8% | $6,689+2.5% |
| Admin fee / account holder | $497 | $19,275-97.4% | $15,885-96.9% | $13,390-96.3% |