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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 | $13,521 | $202,440-93.3% | $169,390-92.0% | $139,466-90.3% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 26.21% | 532.36%-506.2pp | 406.07%-379.9pp | 373.66%-347.5pp |
| Employer contribution / active EE | $2,203 | $4,693-53.1% | $4,013-45.1% | $4,754-53.7% |
| Participant deferral / active EE | $4,458 | $6,940-35.8% | $6,222-28.4% | $6,712-33.6% |
| Admin fee / account holder | $672 | $10,722-93.7% | $9,015-92.5% | $11,409-94.1% |