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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 | $39,198 | $212,777-81.6% | $173,703-77.4% | $198,609-80.3% |
| Participation rate | 100.0% | 81.1%+18.9pp | 75.9%+24.1pp | 82.4%+17.6pp |
| Annual return | 27.67% | 18.82%+8.9pp | 17.46%+10.2pp | 202.70%-175.0pp |
| Employer contribution / active EE | $11,630 | $5,214+123.1% | $4,288+171.2% | $5,055+130.1% |
| Participant deferral / active EE | $26,000 | $5,697+356.4% | $4,854+435.6% | $6,977+272.7% |
| Admin fee / account holder | $16,020 | $19,536-18.0% | $15,562+2.9% | $19,030-15.8% |