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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 | $13,430 | $201,344-93.3% | $184,243-92.7% | $145,877-90.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.31% | 29.01%-15.7pp | 28.82%-15.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $6,936 | $7,022-1.2% | $6,427+7.9% | $4,663+48.8% |
| Participant deferral / active EE | $3,546 | $9,807-63.8% | $9,132-61.2% | $6,691-47.0% |
| Admin fee / account holder | $1,979 | $16,382-87.9% | $13,914-85.8% | $13,402-85.2% |