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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 | $30,959 | $171,492-81.9% | $150,734-79.5% | $198,609-84.4% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 10.17% | 804.70%-794.5pp | 600.81%-590.6pp | 202.70%-192.5pp |
| Employer contribution / active EE | $4,408 | $5,470-19.4% | $4,918-10.4% | $5,055-12.8% |
| Participant deferral / active EE | $9,347 | $6,259+49.3% | $5,610+66.6% | $6,977+34.0% |
| Admin fee / account holder | $351 | $17,628-98.0% | $14,905-97.6% | $19,030-98.2% |