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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 | $12,536 | $132,634-90.5% | $115,768-89.2% | $137,256-90.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.4%+25.6pp | 80.0%+20.0pp |
| Annual return | 25.69% | 160.70%-135.0pp | 100.46%-74.8pp | 220.34%-194.6pp |
| Employer contribution / active EE | $1,743 | $3,360-48.1% | $2,940-40.7% | $4,156-58.1% |
| Participant deferral / active EE | $4,634 | $5,619-17.5% | $4,917-5.7% | $6,407-27.7% |
| Admin fee / account holder | $1,117 | $15,028-92.6% | $12,439-91.0% | $12,270-90.9% |