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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 | $24,036 | $152,619-84.3% | $125,195-80.8% | $152,909-84.3% |
| Participation rate | 95.7% | 83.3%+12.3pp | 79.8%+15.9pp | 82.5%+13.2pp |
| Annual return | 30.99% | 54.85%-23.9pp | 43.79%-12.8pp | 345.46%-314.5pp |
| Employer contribution / active EE | $1,236 | $4,947-75.0% | $3,866-68.0% | $4,764-74.1% |
| Participant deferral / active EE | $2,434 | $5,869-58.5% | $4,937-50.7% | $5,851-58.4% |
| Admin fee / account holder | $933 | $13,437-93.1% | $9,704-90.4% | $11,601-92.0% |