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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 | $18,244 | $209,422-91.3% | $178,503-89.8% | $158,982-88.5% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 18.91% | 188.81%-169.9pp | 151.12%-132.2pp | 302.99%-284.1pp |
| Employer contribution / active EE | $1,793 | $5,707-68.6% | $5,011-64.2% | $4,763-62.3% |
| Participant deferral / active EE | $6,519 | $5,955+9.5% | $5,202+25.3% | $5,983+9.0% |
| Admin fee / account holder | $1,360 | $17,079-92.0% | $13,987-90.3% | $11,252-87.9% |