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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 | $15,484 | $226,135-93.2% | $182,558-91.5% | $152,909-89.9% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.0%+13.7pp | 82.5%+9.2pp |
| Annual return | 18.61% | 192.60%-174.0pp | 148.59%-130.0pp | 345.46%-326.9pp |
| Employer contribution / active EE | $1,768 | $4,979-64.5% | $4,076-56.6% | $4,764-62.9% |
| Participant deferral / active EE | $2,186 | $6,371-65.7% | $5,526-60.4% | $5,851-62.6% |
| Admin fee / account holder | $1,137 | $10,707-89.4% | $8,594-86.8% | $11,601-90.2% |