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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 | $19,081 | $176,105-89.2% | $159,474-88.0% | $167,536-88.6% |
| Participation rate | 70.0% | 85.0%-15.0pp | 82.8%-12.8pp | 82.1%-12.1pp |
| Annual return | 22.70% | 331.91%-309.2pp | 263.68%-241.0pp | 478.82%-456.1pp |
| Employer contribution / active EE | $1,719 | $5,299-67.6% | $4,831-64.4% | $4,839-64.5% |
| Participant deferral / active EE | $2,791 | $7,751-64.0% | $7,353-62.0% | $6,342-56.0% |
| Admin fee / account holder | $509 | $12,559-95.9% | $10,802-95.3% | $12,315-95.9% |