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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 | $18,482 | $162,812-88.6% | $133,971-86.2% | $158,966-88.4% |
| Participation rate | 95.8% | 83.2%+12.6pp | 79.8%+16.0pp | 82.0%+13.9pp |
| Annual return | 66.10% | 41.94%+24.2pp | 45.09%+21.0pp | 302.95%-236.9pp |
| Employer contribution / active EE | $7,178 | $4,976+44.3% | $3,919+83.2% | $4,762+50.7% |
| Participant deferral / active EE | $8,184 | $5,910+38.5% | $5,047+62.2% | $5,983+36.8% |
| Admin fee / account holder | $1,258 | $11,741-89.3% | $8,929-85.9% | $11,250-88.8% |