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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 | $23,012 | $152,612-84.9% | $125,192-81.6% | $152,897-84.9% |
| Participation rate | 75.0% | 83.3%-8.3pp | 79.8%-4.8pp | 82.5%-7.5pp |
| Annual return | 16.97% | 54.85%-37.9pp | 43.79%-26.8pp | 345.43%-328.5pp |
| Employer contribution / active EE | $1,939 | $4,947-60.8% | $3,866-49.8% | $4,764-59.3% |
| Participant deferral / active EE | $3,950 | $5,868-32.7% | $4,937-20.0% | $5,851-32.5% |
| Admin fee / account holder | $365 | $13,437-97.3% | $9,704-96.2% | $11,599-96.9% |