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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 | $21,420 | $209,422-89.8% | $178,503-88.0% | $158,982-86.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 24.20% | 188.81%-164.6pp | 151.12%-126.9pp | 302.99%-278.8pp |
| Employer contribution / active EE | $5,819 | $5,707+2.0% | $5,011+16.1% | $4,763+22.2% |
| Participant deferral / active EE | $7,497 | $5,955+25.9% | $5,202+44.1% | $5,983+25.3% |
| Admin fee / account holder | $307 | $17,079-98.2% | $13,987-97.8% | $11,252-97.3% |