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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 | $18,011 | $81,208-77.8% | $98,920-81.8% | $79,852-77.4% |
| Participation rate | 100.0% | 72.5%+27.5pp | 76.0%+24.0pp | 69.6%+30.4pp |
| Annual return | 14.57% | 60.99%-46.4pp | 196.47%-181.9pp | 31.72%-17.2pp |
| Employer contribution / active EE | $2,878 | $1,960+46.9% | $2,689+7.0% | $2,471+16.5% |
| Participant deferral / active EE | $4,818 | $3,265+47.6% | $4,245+13.5% | $3,740+28.8% |
| Admin fee / account holder | $4,135 | $6,013-31.2% | $6,643-37.8% | $5,306-22.1% |