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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 | $25,211 | $183,988-86.3% | $162,177-84.5% | $152,897-83.5% |
| Participation rate | 85.7% | 88.5%-2.8pp | 87.6%-1.8pp | 82.5%+3.3pp |
| Annual return | 16.58% | 150.79%-134.2pp | 115.60%-99.0pp | 345.43%-328.8pp |
| Employer contribution / active EE | $4,542 | $6,370-28.7% | $5,613-19.1% | $4,764-4.6% |
| Participant deferral / active EE | $10,143 | $8,032+26.3% | $7,297+39.0% | $5,851+73.4% |
| Admin fee / account holder | $11,144 | $13,123-15.1% | $10,843+2.8% | $11,599-3.9% |