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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 | $15,450 | $202,345-92.4% | $172,755-91.1% | $152,885-89.9% |
| Participation rate | 70.0% | 87.1%-17.1pp | 82.6%-12.6pp | 82.5%-12.5pp |
| Annual return | 27.14% | 1029.77%-1002.6pp | 802.94%-775.8pp | 345.39%-318.2pp |
| Employer contribution / active EE | $2,684 | $5,858-54.2% | $5,144-47.8% | $4,763-43.6% |
| Participant deferral / active EE | $3,036 | $5,948-49.0% | $5,198-41.6% | $5,851-48.1% |
| Admin fee / account holder | $759 | $17,111-95.6% | $13,955-94.6% | $11,598-93.5% |