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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 | $25,814 | $162,785-84.1% | $133,959-80.7% | $158,950-83.8% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 19.30% | 41.94%-22.6pp | 45.09%-25.8pp | 302.91%-283.6pp |
| Employer contribution / active EE | $2,263 | $4,975-54.5% | $3,919-42.3% | $4,762-52.5% |
| Participant deferral / active EE | $3,385 | $5,910-42.7% | $5,047-32.9% | $5,983-43.4% |
| Admin fee / account holder | $2,274 | $11,738-80.6% | $8,928-74.5% | $11,248-79.8% |