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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 | $25,409 | $209,422-87.9% | $178,503-85.8% | $158,982-84.0% |
| Participation rate | 80.0% | 86.4%-6.4pp | 81.9%-1.9pp | 82.0%-2.0pp |
| Annual return | 12.49% | 188.81%-176.3pp | 151.12%-138.6pp | 302.99%-290.5pp |
| Employer contribution / active EE | $1,432 | $5,707-74.9% | $5,011-71.4% | $4,763-69.9% |
| Participant deferral / active EE | $2,630 | $5,955-55.8% | $5,202-49.4% | $5,983-56.0% |
| Admin fee / account holder | $1,277 | $17,079-92.5% | $13,987-90.9% | $11,252-88.6% |