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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 | $19,178 | $152,619-87.4% | $125,195-84.7% | $152,909-87.5% |
| Participation rate | 71.4% | 83.3%-11.9pp | 79.8%-8.4pp | 82.5%-11.0pp |
| Annual return | 43.62% | 54.85%-11.2pp | 43.79%-0.2pp | 345.46%-301.8pp |
| Employer contribution / active EE | $3,392 | $4,947-31.4% | $3,866-12.3% | $4,764-28.8% |
| Participant deferral / active EE | $3,960 | $5,869-32.5% | $4,937-19.8% | $5,851-32.3% |
| Admin fee / account holder | $2,987 | $13,437-77.8% | $9,704-69.2% | $11,601-74.3% |