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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 | $37,181 | $212,777-82.5% | $173,703-78.6% | $198,609-81.3% |
| Participation rate | 100.0% | 81.1%+18.9pp | 75.9%+24.1pp | 82.4%+17.6pp |
| Annual return | 11.77% | 18.82%-7.1pp | 17.46%-5.7pp | 202.70%-190.9pp |
| Employer contribution / active EE | $12,688 | $5,214+143.4% | $4,288+195.9% | $5,055+151.0% |
| Participant deferral / active EE | $19,633 | $5,697+244.6% | $4,854+304.5% | $6,977+181.4% |
| Admin fee / account holder | $463 | $19,536-97.6% | $15,562-97.0% | $19,030-97.6% |