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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 | $21,008 | $152,619-86.2% | $125,195-83.2% | $152,909-86.3% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | 28.58% | 54.85%-26.3pp | 43.79%-15.2pp | 345.46%-316.9pp |
| Employer contribution / active EE | $4,148 | $4,947-16.2% | $3,866+7.3% | $4,764-12.9% |
| Participant deferral / active EE | $5,995 | $5,869+2.2% | $4,937+21.4% | $5,851+2.5% |
| Admin fee / account holder | $5,669 | $13,437-57.8% | $9,704-41.6% | $11,601-51.1% |