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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 | $26,668 | $209,425-87.3% | $178,499-85.1% | $158,966-83.2% |
| Participation rate | 95.7% | 86.4%+9.3pp | 81.9%+13.7pp | 82.0%+13.7pp |
| Annual return | 11.82% | 188.80%-177.0pp | 151.10%-139.3pp | 302.95%-291.1pp |
| Employer contribution / active EE | $6,110 | $5,707+7.1% | $5,011+21.9% | $4,762+28.3% |
| Participant deferral / active EE | $3,920 | $5,955-34.2% | $5,202-24.6% | $5,983-34.5% |
| Admin fee / account holder | $4,389 | $17,078-74.3% | $13,986-68.6% | $11,250-61.0% |