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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 | $14,477 | $185,225-92.2% | $142,898-89.9% | $167,536-91.4% |
| Participation rate | 81.3% | 78.5%+2.8pp | 72.0%+9.3pp | 82.1%-0.9pp |
| Annual return | 22.18% | 8558.12%-8535.9pp | 5639.64%-5617.5pp | 478.82%-456.6pp |
| Employer contribution / active EE | $940 | $5,607-83.2% | $4,146-77.3% | $4,839-80.6% |
| Participant deferral / active EE | $3,829 | $4,496-14.8% | $3,838-0.3% | $6,342-39.6% |
| Admin fee / account holder | $352 | $8,032-95.6% | $6,560-94.6% | $12,315-97.1% |