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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 | $17,763 | $202,342-91.2% | $172,753-89.7% | $152,909-88.4% |
| Participation rate | 85.7% | 87.1%-1.3pp | 82.6%+3.1pp | 82.5%+3.3pp |
| Annual return | 24.12% | 1029.88%-1005.8pp | 803.00%-778.9pp | 345.46%-321.3pp |
| Employer contribution / active EE | $2,022 | $5,857-65.5% | $5,144-60.7% | $4,764-57.5% |
| Participant deferral / active EE | $4,458 | $5,948-25.1% | $5,198-14.2% | $5,851-23.8% |
| Admin fee / account holder | $414 | $17,112-97.6% | $13,956-97.0% | $11,601-96.4% |