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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 | $26,170 | $209,422-87.5% | $178,503-85.3% | $158,982-83.5% |
| Participation rate | 72.7% | 86.4%-13.6pp | 81.9%-9.2pp | 82.0%-9.2pp |
| Annual return | 13.43% | 188.81%-175.4pp | 151.12%-137.7pp | 302.99%-289.6pp |
| Employer contribution / active EE | $4,666 | $5,707-18.2% | $5,011-6.9% | $4,763-2.0% |
| Participant deferral / active EE | $8,658 | $5,955+45.4% | $5,202+66.4% | $5,983+44.7% |
| Admin fee / account holder | $4,680 | $17,079-72.6% | $13,987-66.5% | $11,252-58.4% |