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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 | $13,523 | $160,040-91.6% | $147,096-90.8% | $145,877-90.7% |
| Participation rate | 95.0% | 84.0%+11.0pp | 82.2%+12.8pp | 80.3%+14.7pp |
| Annual return | 12.94% | 98.49%-85.6pp | 419.75%-406.8pp | 551.28%-538.3pp |
| Employer contribution / active EE | $3,068 | $5,289-42.0% | $4,936-37.9% | $4,663-34.2% |
| Participant deferral / active EE | $5,126 | $8,429-39.2% | $8,071-36.5% | $6,691-23.4% |
| Admin fee / account holder | $574 | $15,050-96.2% | $13,005-95.6% | $13,402-95.7% |