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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 | $21,685 | $176,794-87.7% | $146,647-85.2% | $167,553-87.1% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 12.67% | 24.04%-11.4pp | 22.75%-10.1pp | 478.89%-466.2pp |
| Employer contribution / active EE | $11,489 | $5,161+122.6% | $4,137+177.7% | $4,840+137.4% |
| Participant deferral / active EE | $4,095 | $6,440-36.4% | $5,506-25.6% | $6,343-35.4% |
| Admin fee / account holder | $2,615 | $13,262-80.3% | $10,281-74.6% | $12,316-78.8% |