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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 | $14,756 | $157,276-90.6% | $141,177-89.5% | $152,885-90.3% |
| Participation rate | 91.3% | 84.8%+6.5pp | 82.5%+8.8pp | 82.5%+8.9pp |
| Annual return | 33.07% | 64.33%-31.3pp | 71.40%-38.3pp | 345.39%-312.3pp |
| Employer contribution / active EE | $3,370 | $5,262-35.9% | $4,736-28.8% | $4,763-29.2% |
| Participant deferral / active EE | $6,280 | $7,110-11.7% | $6,710-6.4% | $5,851+7.3% |
| Admin fee / account holder | $443 | $12,123-96.3% | $10,263-95.7% | $11,598-96.2% |