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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 | $11,382 | $183,592-93.8% | $155,567-92.7% | $145,959-92.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 36.48% | 61.24%-24.8pp | 64.74%-28.3pp | 561.95%-525.5pp |
| Employer contribution / active EE | $2,044 | $5,315-61.5% | $4,674-56.3% | $4,661-56.1% |
| Participant deferral / active EE | $32,577 | $6,464+403.9% | $5,628+478.9% | $6,689+387.1% |
| Admin fee / account holder | $30,022 | $19,318+55.4% | $15,916+88.6% | $13,398+124.1% |