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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 | $22,052 | $165,381-86.7% | $149,730-85.3% | $158,966-86.1% |
| Participation rate | 72.2% | 84.6%-12.4pp | 82.5%-10.3pp | 82.0%-9.7pp |
| Annual return | 62.31% | 348.29%-286.0pp | 276.70%-214.4pp | 302.95%-240.6pp |
| Employer contribution / active EE | $2,250 | $5,104-55.9% | $4,645-51.6% | $4,762-52.7% |
| Participant deferral / active EE | $7,844 | $7,182+9.2% | $6,843+14.6% | $5,983+31.1% |
| Admin fee / account holder | $493 | $10,809-95.4% | $9,310-94.7% | $11,250-95.6% |