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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 | $16,370 | $165,399-90.1% | $149,745-89.1% | $158,982-89.7% |
| Participation rate | 94.7% | 84.6%+10.2pp | 82.5%+12.3pp | 82.0%+12.8pp |
| Annual return | 60.92% | 348.34%-287.4pp | 276.72%-215.8pp | 302.99%-242.1pp |
| Employer contribution / active EE | $3,326 | $5,105-34.8% | $4,646-28.4% | $4,763-30.2% |
| Participant deferral / active EE | $7,615 | $7,183+6.0% | $6,843+11.3% | $5,983+27.3% |
| Admin fee / account holder | $807 | $10,811-92.5% | $9,312-91.3% | $11,252-92.8% |