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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 | $12,253 | $152,619-92.0% | $125,195-90.2% | $152,909-92.0% |
| Participation rate | 80.0% | 83.3%-3.3pp | 79.8%+0.2pp | 82.5%-2.5pp |
| Annual return | 47.05% | 54.85%-7.8pp | 43.79%+3.3pp | 345.46%-298.4pp |
| Employer contribution / active EE | $2,690 | $4,947-45.6% | $3,866-30.4% | $4,764-43.5% |
| Participant deferral / active EE | $5,769 | $5,869-1.7% | $4,937+16.8% | $5,851-1.4% |
| Admin fee / account holder | $1,199 | $13,437-91.1% | $9,704-87.6% | $11,601-89.7% |