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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 | $24,566 | $196,972-87.5% | $182,262-86.5% | $198,609-87.6% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 20.90% | 158.27%-137.4pp | 140.60%-119.7pp | 202.70%-181.8pp |
| Employer contribution / active EE | $3,432 | $5,364-36.0% | $5,046-32.0% | $5,055-32.1% |
| Participant deferral / active EE | $6,930 | $8,643-19.8% | $8,276-16.3% | $6,977-0.7% |
| Admin fee / account holder | $1,585 | $18,429-91.4% | $16,712-90.5% | $19,030-91.7% |