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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 | $28,116 | $209,422-86.6% | $178,503-84.2% | $158,982-82.3% |
| Participation rate | 71.4% | 86.4%-14.9pp | 81.9%-10.5pp | 82.0%-10.5pp |
| Annual return | 26.99% | 188.81%-161.8pp | 151.12%-124.1pp | 302.99%-276.0pp |
| Employer contribution / active EE | $2,467 | $5,707-56.8% | $5,011-50.8% | $4,763-48.2% |
| Participant deferral / active EE | $5,997 | $5,955+0.7% | $5,202+15.3% | $5,983+0.2% |
| Admin fee / account holder | $554 | $17,079-96.8% | $13,987-96.0% | $11,252-95.1% |