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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 | $15,077 | $115,814-87.0% | $101,275-85.1% | $158,982-90.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 28.98% | 56.16%-27.2pp | 46.48%-17.5pp | 302.99%-274.0pp |
| Employer contribution / active EE | $0 | $4,176-100.0% | $3,660-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $8,219 | $4,958+65.8% | $4,371+88.0% | $5,983+37.4% |
| Admin fee / account holder | $1,346 | $7,249-81.4% | $5,948-77.4% | $11,252-88.0% |