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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 | $26,079 | $197,637-86.8% | $177,848-85.3% | $158,982-83.6% |
| Participation rate | 84.6% | 88.5%-3.9pp | 87.7%-3.1pp | 82.0%+2.6pp |
| Annual return | 75.57% | 58.77%+16.8pp | 48.33%+27.2pp | 302.99%-227.4pp |
| Employer contribution / active EE | $2,767 | $6,698-58.7% | $5,919-53.2% | $4,763-41.9% |
| Participant deferral / active EE | $7,810 | $8,405-7.1% | $7,714+1.2% | $5,983+30.5% |
| Admin fee / account holder | $9,365 | $15,406-39.2% | $12,431-24.7% | $11,252-16.8% |