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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 | $26,017 | $202,342-87.1% | $172,753-84.9% | $152,909-83.0% |
| Participation rate | 81.8% | 87.1%-5.2pp | 82.6%-0.8pp | 82.5%-0.6pp |
| Annual return | 14.32% | 1029.88%-1015.6pp | 803.00%-788.7pp | 345.46%-331.1pp |
| Employer contribution / active EE | $1,578 | $5,857-73.1% | $5,144-69.3% | $4,764-66.9% |
| Participant deferral / active EE | $4,573 | $5,948-23.1% | $5,198-12.0% | $5,851-21.8% |
| Admin fee / account holder | $1,755 | $17,112-89.7% | $13,956-87.4% | $11,601-84.9% |