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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 | $8,724 | $104,937-91.7% | $84,628-89.7% | $152,897-94.3% |
| Participation rate | 100.0% | 74.8%+25.2pp | 68.2%+31.8pp | 82.5%+17.5pp |
| Annual return | 19.84% | 373.88%-354.0pp | 258.80%-239.0pp | 345.43%-325.6pp |
| Employer contribution / active EE | $3,376 | $3,303+2.2% | $2,653+27.3% | $4,764-29.1% |
| Participant deferral / active EE | $3,325 | $4,690-29.1% | $3,900-14.7% | $5,851-43.2% |
| Admin fee / account holder | $1,184 | $6,243-81.0% | $4,914-75.9% | $11,599-89.8% |